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$7,165
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,388
−HK$227/mo
Today · 4.125%
HK$7,615
baseline
▲ 0.50% · 4.625%
HK$8,078
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,230/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$7,971
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,185
−HK$217/mo
Today · 4.125%
HK$8,402
baseline
▲ 0.50% · 4.625%
HK$8,845
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,804/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$8,598
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,866
−HK$271/mo
Today · 4.125%
HK$9,137
baseline
▲ 0.50% · 4.625%
HK$9,693
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,274/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$9,566
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,822
−HK$260/mo
Today · 4.125%
HK$10,082
baseline
▲ 0.50% · 4.625%
HK$10,614
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,164/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$10,031
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,343
−HK$317/mo
Today · 4.125%
HK$10,660
baseline
▲ 0.50% · 4.625%
HK$11,309
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,320/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$11,160
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,459
−HK$304/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,383
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,526/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$12,897
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,299
−HK$407/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,540
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,412/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$14,348
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,733
−HK$390/mo
Today · 4.125%
HK$15,123
baseline
▲ 0.50% · 4.625%
HK$15,921
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,246/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).