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$7,155
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,378
−HK$226/mo
Today · 4.125%
HK$7,604
baseline
▲ 0.50% · 4.625%
HK$8,066
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,208/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$7,960
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,173
−HK$217/mo
Today · 4.125%
HK$8,390
baseline
▲ 0.50% · 4.625%
HK$8,832
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,780/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$8,586
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,853
−HK$272/mo
Today · 4.125%
HK$9,125
baseline
▲ 0.50% · 4.625%
HK$9,680
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,250/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$9,552
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,808
−HK$260/mo
Today · 4.125%
HK$10,068
baseline
▲ 0.50% · 4.625%
HK$10,599
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,136/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$10,017
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$316/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,293
+HK$648/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,290/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,144
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$303/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$619/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,492/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,280
−HK$407/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$833/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,374/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$14,328
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$390/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,204/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).