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$7,164
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,387
−HK$226/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,226/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$7,970
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$217/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,843
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,800/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$8,596
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,864
−HK$272/mo
Today · 4.125%
HK$9,136
baseline
▲ 0.50% · 4.625%
HK$9,691
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,272/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$9,563
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,820
−HK$260/mo
Today · 4.125%
HK$10,080
baseline
▲ 0.50% · 4.625%
HK$10,611
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,160/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$10,029
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$317/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$649/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,316/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$11,157
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$303/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,520/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$12,895
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$407/mo
Today · 4.125%
HK$13,703
baseline
▲ 0.50% · 4.625%
HK$14,537
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,406/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$14,345
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,730
−HK$390/mo
Today · 4.125%
HK$15,120
baseline
▲ 0.50% · 4.625%
HK$15,917
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,240/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).