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$7,163
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,386
−HK$226/mo
Today · 4.125%
HK$7,612
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,224/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$7,969
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$216/mo
Today · 4.125%
HK$8,399
baseline
▲ 0.50% · 4.625%
HK$8,842
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,798/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$8,596
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,863
−HK$272/mo
Today · 4.125%
HK$9,135
baseline
▲ 0.50% · 4.625%
HK$9,691
+HK$556/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,270/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$9,563
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,819
−HK$260/mo
Today · 4.125%
HK$10,079
baseline
▲ 0.50% · 4.625%
HK$10,611
+HK$532/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,158/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$10,028
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,340
−HK$317/mo
Today · 4.125%
HK$10,657
baseline
▲ 0.50% · 4.625%
HK$11,306
+HK$649/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,314/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,157
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$303/mo
Today · 4.125%
HK$11,759
baseline
▲ 0.50% · 4.625%
HK$12,379
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,518/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,894
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$407/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,404/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$14,344
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,729
−HK$390/mo
Today · 4.125%
HK$15,119
baseline
▲ 0.50% · 4.625%
HK$15,916
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,238/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).