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$7,140
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,362
−HK$226/mo
Today · 4.125%
HK$7,588
baseline
▲ 0.50% · 4.625%
HK$8,050
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,176/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$7,944
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$216/mo
Today · 4.125%
HK$8,373
baseline
▲ 0.50% · 4.625%
HK$8,814
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,746/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$8,568
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,835
−HK$271/mo
Today · 4.125%
HK$9,106
baseline
▲ 0.50% · 4.625%
HK$9,660
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,212/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$9,532
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,788
−HK$259/mo
Today · 4.125%
HK$10,047
baseline
▲ 0.50% · 4.625%
HK$10,577
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,094/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$9,996
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,307
−HK$316/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,270
+HK$647/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,246/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$11,121
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,419
−HK$303/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,340
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,444/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$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$407/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,298
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,682
−HK$389/mo
Today · 4.125%
HK$15,071
baseline
▲ 0.50% · 4.625%
HK$15,865
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,142/mo (50% DSR)
Upfront cash ≈ HK$313K (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).