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$7,139
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$226/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$8,048
+HK$461/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,174/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$7,942
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$216/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,812
+HK$441/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,742/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$8,567
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,833
−HK$271/mo
Today · 4.125%
HK$9,104
baseline
▲ 0.50% · 4.625%
HK$9,658
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,208/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$9,530
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,786
−HK$259/mo
Today · 4.125%
HK$10,045
baseline
▲ 0.50% · 4.625%
HK$10,575
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,090/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$9,994
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,305
−HK$316/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,267
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,242/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,119
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,417
−HK$302/mo
Today · 4.125%
HK$11,719
baseline
▲ 0.50% · 4.625%
HK$12,337
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,438/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,850
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$406/mo
Today · 4.125%
HK$13,656
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,312/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$14,295
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$389/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,136/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).