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$7,142
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,364
−HK$225/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$8,051
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,178/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$7,945
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,158
−HK$216/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,816
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,748/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$8,570
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,837
−HK$270/mo
Today · 4.125%
HK$9,107
baseline
▲ 0.50% · 4.625%
HK$9,662
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,214/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$9,534
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,790
−HK$259/mo
Today · 4.125%
HK$10,049
baseline
▲ 0.50% · 4.625%
HK$10,579
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,098/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$9,998
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$316/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,250/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$11,123
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$303/mo
Today · 4.125%
HK$11,724
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,448/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$12,855
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$406/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,322/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$14,301
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$389/mo
Today · 4.125%
HK$15,074
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,148/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).