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$7,160
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$227/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,071
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,218/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$7,965
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$216/mo
Today · 4.125%
HK$8,395
baseline
▲ 0.50% · 4.625%
HK$8,838
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,790/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$8,591
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,859
−HK$271/mo
Today · 4.125%
HK$9,130
baseline
▲ 0.50% · 4.625%
HK$9,686
+HK$556/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,260/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$9,558
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,814
−HK$260/mo
Today · 4.125%
HK$10,074
baseline
▲ 0.50% · 4.625%
HK$10,605
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,148/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$10,023
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$317/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,304/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$11,151
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$303/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,373
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,506/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$12,887
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,288
−HK$407/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,390/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$14,337
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$390/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$15,908
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,222/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).