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$7,143
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,365
−HK$226/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,182/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$7,947
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$216/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,817
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,752/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$8,572
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,838
−HK$271/mo
Today · 4.125%
HK$9,109
baseline
▲ 0.50% · 4.625%
HK$9,664
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,218/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$9,536
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,792
−HK$259/mo
Today · 4.125%
HK$10,051
baseline
▲ 0.50% · 4.625%
HK$10,581
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,102/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$10,000
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,311
−HK$316/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,274
+HK$647/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$21,254/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$11,125
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$302/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$618/mo
Deposit HK$940K · loan HK$2.19M · min. income ≈ HK$23,452/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$12,858
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$406/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,328/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$14,304
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$389/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,871
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,154/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).