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$7,148
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,370
−HK$226/mo
Today · 4.125%
HK$7,596
baseline
▲ 0.50% · 4.625%
HK$8,058
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,192/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$7,952
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$216/mo
Today · 4.125%
HK$8,381
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,762/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$8,577
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,844
−HK$271/mo
Today · 4.125%
HK$9,115
baseline
▲ 0.50% · 4.625%
HK$9,670
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,230/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$9,542
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$259/mo
Today · 4.125%
HK$10,057
baseline
▲ 0.50% · 4.625%
HK$10,588
+HK$531/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,114/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$10,007
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$316/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,281
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,268/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,132
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$303/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,468/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,866
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$406/mo
Today · 4.125%
HK$13,672
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,344/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$14,313
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,697
−HK$389/mo
Today · 4.125%
HK$15,086
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,172/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).