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$7,167
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$227/mo
Today · 4.125%
HK$7,617
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,234/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$7,974
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,187
−HK$217/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,847
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,808/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$8,601
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,868
−HK$272/mo
Today · 4.125%
HK$9,140
baseline
▲ 0.50% · 4.625%
HK$9,696
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,280/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$9,568
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,825
−HK$260/mo
Today · 4.125%
HK$10,085
baseline
▲ 0.50% · 4.625%
HK$10,617
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,170/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$10,034
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$317/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,312
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,326/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$11,163
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$304/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,532/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$12,901
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,302
−HK$408/mo
Today · 4.125%
HK$13,710
baseline
▲ 0.50% · 4.625%
HK$14,544
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,420/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$14,352
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,737
−HK$391/mo
Today · 4.125%
HK$15,128
baseline
▲ 0.50% · 4.625%
HK$15,925
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,256/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).