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$7,171
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,394
−HK$227/mo
Today · 4.125%
HK$7,621
baseline
▲ 0.50% · 4.625%
HK$8,084
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,242/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$7,978
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,191
−HK$218/mo
Today · 4.125%
HK$8,409
baseline
▲ 0.50% · 4.625%
HK$8,852
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,818/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$8,605
−HK$540/mo
▼ 0.25% · 3.875%
HK$8,873
−HK$272/mo
Today · 4.125%
HK$9,145
baseline
▲ 0.50% · 4.625%
HK$9,701
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,290/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$9,573
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,830
−HK$260/mo
Today · 4.125%
HK$10,090
baseline
▲ 0.50% · 4.625%
HK$10,622
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,180/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$10,039
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$318/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,318
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,338/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,169
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$304/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,544/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,908
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$408/mo
Today · 4.125%
HK$13,717
baseline
▲ 0.50% · 4.625%
HK$14,552
+HK$835/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,434/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$14,360
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,745
−HK$390/mo
Today · 4.125%
HK$15,135
baseline
▲ 0.50% · 4.625%
HK$15,933
+HK$798/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,270/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).