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$7,152
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$226/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,063
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,202/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$7,957
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,170
−HK$217/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,774/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$8,583
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,850
−HK$271/mo
Today · 4.125%
HK$9,121
baseline
▲ 0.50% · 4.625%
HK$9,676
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,242/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$9,548
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,804
−HK$260/mo
Today · 4.125%
HK$10,064
baseline
▲ 0.50% · 4.625%
HK$10,595
+HK$531/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,128/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$10,013
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$316/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$648/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,282/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$11,140
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$304/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$618/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,484/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$12,874
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,275
−HK$407/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,514
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,364/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$14,322
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$389/mo
Today · 4.125%
HK$15,096
baseline
▲ 0.50% · 4.625%
HK$15,892
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,192/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).