The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$7,158
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,380
−HK$227/mo
Today · 4.125%
HK$7,607
baseline
▲ 0.50% · 4.625%
HK$8,069
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,214/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,963
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$217/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,786/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,589
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,856
−HK$272/mo
Today · 4.125%
HK$9,128
baseline
▲ 0.50% · 4.625%
HK$9,683
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,256/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,555
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,812
−HK$260/mo
Today · 4.125%
HK$10,072
baseline
▲ 0.50% · 4.625%
HK$10,603
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,144/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,021
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$317/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,297
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,298/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,148
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,447
−HK$303/mo
Today · 4.125%
HK$11,750
baseline
▲ 0.50% · 4.625%
HK$12,370
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,500/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,884
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,285
−HK$407/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$833/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$389/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$15,904
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).