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$7,146
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,369
−HK$225/mo
Today · 4.125%
HK$7,594
baseline
▲ 0.50% · 4.625%
HK$8,057
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,188/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$7,950
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,163
−HK$217/mo
Today · 4.125%
HK$8,380
baseline
▲ 0.50% · 4.625%
HK$8,821
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,760/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$8,576
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,842
−HK$271/mo
Today · 4.125%
HK$9,113
baseline
▲ 0.50% · 4.625%
HK$9,668
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,226/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$9,540
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,796
−HK$260/mo
Today · 4.125%
HK$10,056
baseline
▲ 0.50% · 4.625%
HK$10,586
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,112/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$10,005
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$316/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,264/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$11,130
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$303/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,464/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$12,863
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,263
−HK$407/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$832/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,340/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$14,310
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,694
−HK$389/mo
Today · 4.125%
HK$15,083
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$796/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,166/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).