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$7,166
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,389
−HK$227/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,079
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,232/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$7,972
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,186
−HK$217/mo
Today · 4.125%
HK$8,403
baseline
▲ 0.50% · 4.625%
HK$8,846
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,806/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$8,599
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,867
−HK$272/mo
Today · 4.125%
HK$9,139
baseline
▲ 0.50% · 4.625%
HK$9,695
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,278/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$9,567
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,823
−HK$261/mo
Today · 4.125%
HK$10,084
baseline
▲ 0.50% · 4.625%
HK$10,615
+HK$531/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,168/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$10,033
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$317/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$648/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,324/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$11,161
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,461
−HK$303/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,528/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$12,899
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$408/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,416/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$14,350
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,735
−HK$390/mo
Today · 4.125%
HK$15,125
baseline
▲ 0.50% · 4.625%
HK$15,923
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,250/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).