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$7,151
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,374
−HK$226/mo
Today · 4.125%
HK$7,600
baseline
▲ 0.50% · 4.625%
HK$8,062
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,200/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$7,956
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,169
−HK$217/mo
Today · 4.125%
HK$8,386
baseline
▲ 0.50% · 4.625%
HK$8,828
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,772/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$8,582
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,849
−HK$271/mo
Today · 4.125%
HK$9,120
baseline
▲ 0.50% · 4.625%
HK$9,675
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,240/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,547
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,803
−HK$260/mo
Today · 4.125%
HK$10,063
baseline
▲ 0.50% · 4.625%
HK$10,593
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,126/mo (50% DSR)
Upfront cash ≈ HK$1.25M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,012
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$317/mo
Today · 4.125%
HK$10,640
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$647/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,280/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$11,138
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,437
−HK$303/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$619/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,480/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$12,872
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$407/mo
Today · 4.125%
HK$13,680
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,360/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$14,320
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$390/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$15,890
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,188/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).