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$7,151
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,373
−HK$226/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$462/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,198/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$7,955
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$217/mo
Today · 4.125%
HK$8,385
baseline
▲ 0.50% · 4.625%
HK$8,827
+HK$442/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,770/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$8,581
−HK$538/mo
▼ 0.25% · 3.875%
HK$8,848
−HK$271/mo
Today · 4.125%
HK$9,119
baseline
▲ 0.50% · 4.625%
HK$9,674
+HK$555/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,238/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$9,546
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,802
−HK$260/mo
Today · 4.125%
HK$10,062
baseline
▲ 0.50% · 4.625%
HK$10,592
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,124/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$10,011
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$317/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$647/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$21,278/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,137
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,436
−HK$303/mo
Today · 4.125%
HK$11,739
baseline
▲ 0.50% · 4.625%
HK$12,357
+HK$618/mo
Deposit HK$941K · loan HK$2.20M · min. income ≈ HK$23,478/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$407/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$832/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$27,356/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$14,319
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$389/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$796/mo
Deposit HK$314K · loan HK$2.82M · min. income ≈ HK$30,184/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).