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$7,170
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$227/mo
Today · 4.125%
HK$7,620
baseline
▲ 0.50% · 4.625%
HK$8,083
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,240/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$7,977
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,191
−HK$217/mo
Today · 4.125%
HK$8,408
baseline
▲ 0.50% · 4.625%
HK$8,851
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,816/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$8,604
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,872
−HK$272/mo
Today · 4.125%
HK$9,144
baseline
▲ 0.50% · 4.625%
HK$9,700
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,288/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$9,572
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,829
−HK$260/mo
Today · 4.125%
HK$10,089
baseline
▲ 0.50% · 4.625%
HK$10,621
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,178/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$10,038
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$317/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,336/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,167
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$304/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,542/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,906
−HK$810/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$408/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,550
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,432/mo (50% DSR)
Upfront cash ≈ HK$315K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,358
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,743
−HK$391/mo
Today · 4.125%
HK$15,134
baseline
▲ 0.50% · 4.625%
HK$15,932
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,268/mo (50% DSR)
Upfront cash ≈ HK$315K (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).