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$430/mo
▼ 0.25% · 3.875%
HK$8,165
−HK$217/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,823
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,764/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$8,578
−HK$537/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$516/mo
▼ 0.25% · 3.875%
HK$9,798
−HK$260/mo
Today · 4.125%
HK$10,058
baseline
▲ 0.50% · 4.625%
HK$10,588
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,116/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$628/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$317/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,270/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$11,133
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,431
−HK$303/mo
Today · 4.125%
HK$11,734
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$619/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,468/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$12,866
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$406/mo
Today · 4.125%
HK$13,673
baseline
▲ 0.50% · 4.625%
HK$14,505
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,346/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$14,314
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,698
−HK$389/mo
Today · 4.125%
HK$15,087
baseline
▲ 0.50% · 4.625%
HK$15,882
+HK$795/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,174/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).