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$7,168
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$227/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$463/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$15,236/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$7,975
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$217/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$443/mo
Deposit HK$1.57M · loan HK$1.57M · min. income ≈ HK$16,810/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$8,602
−HK$539/mo
▼ 0.25% · 3.875%
HK$8,869
−HK$272/mo
Today · 4.125%
HK$9,141
baseline
▲ 0.50% · 4.625%
HK$9,697
+HK$556/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$18,282/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$9,569
−HK$517/mo
▼ 0.25% · 3.875%
HK$9,826
−HK$260/mo
Today · 4.125%
HK$10,086
baseline
▲ 0.50% · 4.625%
HK$10,618
+HK$532/mo
Deposit HK$1.26M · loan HK$1.89M · min. income ≈ HK$20,172/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$10,035
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$317/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$649/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$21,330/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,164
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$304/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$620/mo
Deposit HK$943K · loan HK$2.20M · min. income ≈ HK$23,536/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,903
−HK$809/mo
▼ 0.25% · 3.875%
HK$13,304
−HK$408/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,546
+HK$834/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$27,424/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$14,354
−HK$776/mo
▼ 0.25% · 3.875%
HK$14,739
−HK$391/mo
Today · 4.125%
HK$15,130
baseline
▲ 0.50% · 4.625%
HK$15,927
+HK$797/mo
Deposit HK$314K · loan HK$2.83M · min. income ≈ HK$30,260/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).