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$7,162
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,384
−HK$227/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,074
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,222/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$7,967
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$217/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,840
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,796/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$8,594
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,861
−HK$272/mo
Today · 4.125%
HK$9,133
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$556/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,266/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$9,561
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,817
−HK$260/mo
Today · 4.125%
HK$10,077
baseline
▲ 0.50% · 4.625%
HK$10,608
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,154/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$10,026
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$317/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,310/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,154
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$304/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$619/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,514/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,891
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,292
−HK$407/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,398/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$14,341
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,726
−HK$390/mo
Today · 4.125%
HK$15,116
baseline
▲ 0.50% · 4.625%
HK$15,913
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,232/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).