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$7,155
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,377
−HK$226/mo
Today · 4.125%
HK$7,603
baseline
▲ 0.50% · 4.625%
HK$8,066
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,206/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$7,959
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,173
−HK$216/mo
Today · 4.125%
HK$8,389
baseline
▲ 0.50% · 4.625%
HK$8,832
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,778/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$8,585
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,853
−HK$271/mo
Today · 4.125%
HK$9,124
baseline
▲ 0.50% · 4.625%
HK$9,679
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,248/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$9,551
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,807
−HK$260/mo
Today · 4.125%
HK$10,067
baseline
▲ 0.50% · 4.625%
HK$10,598
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,134/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$10,016
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$316/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,292
+HK$648/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,288/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,143
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$303/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$619/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,490/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,878
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$407/mo
Today · 4.125%
HK$13,686
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$833/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,372/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$14,327
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$390/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,202/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).