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$7,158
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,381
−HK$226/mo
Today · 4.125%
HK$7,607
baseline
▲ 0.50% · 4.625%
HK$8,070
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,214/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$7,964
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,177
−HK$217/mo
Today · 4.125%
HK$8,394
baseline
▲ 0.50% · 4.625%
HK$8,836
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,788/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$8,590
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,857
−HK$272/mo
Today · 4.125%
HK$9,129
baseline
▲ 0.50% · 4.625%
HK$9,684
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,258/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$9,556
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,813
−HK$260/mo
Today · 4.125%
HK$10,073
baseline
▲ 0.50% · 4.625%
HK$10,604
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,146/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$10,022
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$316/mo
Today · 4.125%
HK$10,650
baseline
▲ 0.50% · 4.625%
HK$11,298
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,300/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,149
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,448
−HK$304/mo
Today · 4.125%
HK$11,752
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$619/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,504/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,885
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$407/mo
Today · 4.125%
HK$13,693
baseline
▲ 0.50% · 4.625%
HK$14,526
+HK$833/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,386/mo (50% DSR)
Upfront cash ≈ HK$314K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,335
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,719
−HK$390/mo
Today · 4.125%
HK$15,109
baseline
▲ 0.50% · 4.625%
HK$15,906
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,218/mo (50% DSR)
Upfront cash ≈ HK$314K (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).