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$7,160
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,383
−HK$226/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,218/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$7,966
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$217/mo
Today · 4.125%
HK$8,396
baseline
▲ 0.50% · 4.625%
HK$8,838
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,792/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$8,592
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$272/mo
Today · 4.125%
HK$9,131
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,262/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$9,559
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,815
−HK$260/mo
Today · 4.125%
HK$10,075
baseline
▲ 0.50% · 4.625%
HK$10,606
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,150/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$10,024
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$317/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,301
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,306/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$11,152
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$303/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,508/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$12,888
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$407/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,392/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$14,338
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$391/mo
Today · 4.125%
HK$15,113
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$796/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,226/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).