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$7,385
−HK$226/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$7,968
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,181
−HK$217/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,841
+HK$443/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$8,862
−HK$271/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$517/mo
▼ 0.25% · 3.875%
HK$9,818
−HK$260/mo
Today · 4.125%
HK$10,078
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,156/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$10,027
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$317/mo
Today · 4.125%
HK$10,656
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,312/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$11,155
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$303/mo
Today · 4.125%
HK$11,757
baseline
▲ 0.50% · 4.625%
HK$12,377
+HK$620/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$12,892
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$407/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,400/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$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$390/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,234/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).