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$7,162
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,385
−HK$226/mo
Today · 4.125%
HK$7,611
baseline
▲ 0.50% · 4.625%
HK$8,075
+HK$464/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,222/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$7,968
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,182
−HK$216/mo
Today · 4.125%
HK$8,398
baseline
▲ 0.50% · 4.625%
HK$8,841
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,796/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$8,595
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,862
−HK$272/mo
Today · 4.125%
HK$9,134
baseline
▲ 0.50% · 4.625%
HK$9,689
+HK$555/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$18,268/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$9,562
−HK$516/mo
▼ 0.25% · 3.875%
HK$9,818
−HK$260/mo
Today · 4.125%
HK$10,078
baseline
▲ 0.50% · 4.625%
HK$10,609
+HK$531/mo
Deposit HK$1.26M · loan HK$1.88M · min. income ≈ HK$20,156/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$10,027
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$317/mo
Today · 4.125%
HK$10,656
baseline
▲ 0.50% · 4.625%
HK$11,304
+HK$648/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$21,312/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$11,155
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$304/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$620/mo
Deposit HK$942K · loan HK$2.20M · min. income ≈ HK$23,516/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$12,892
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$408/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$833/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,402/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$14,342
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,727
−HK$390/mo
Today · 4.125%
HK$15,117
baseline
▲ 0.50% · 4.625%
HK$15,914
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,234/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).