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$7,138
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,360
−HK$226/mo
Today · 4.125%
HK$7,586
baseline
▲ 0.50% · 4.625%
HK$8,047
+HK$461/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,172/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$7,941
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,154
−HK$216/mo
Today · 4.125%
HK$8,370
baseline
▲ 0.50% · 4.625%
HK$8,811
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,740/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$8,566
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,832
−HK$271/mo
Today · 4.125%
HK$9,103
baseline
▲ 0.50% · 4.625%
HK$9,657
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,206/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$9,529
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,785
−HK$259/mo
Today · 4.125%
HK$10,044
baseline
▲ 0.50% · 4.625%
HK$10,573
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,088/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$9,993
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,304
−HK$316/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,266
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,240/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,117
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,415
−HK$303/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,336
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,436/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,848
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,248
−HK$406/mo
Today · 4.125%
HK$13,654
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,308/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$14,294
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,677
−HK$389/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,860
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,132/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).