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$7,115
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,336
−HK$225/mo
Today · 4.125%
HK$7,561
baseline
▲ 0.50% · 4.625%
HK$8,021
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,122/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,915
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,127
−HK$216/mo
Today · 4.125%
HK$8,343
baseline
▲ 0.50% · 4.625%
HK$8,783
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,686/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,538
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,803
−HK$270/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,146/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$9,498
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$258/mo
Today · 4.125%
HK$10,011
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,022/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$9,961
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$314/mo
Today · 4.125%
HK$10,585
baseline
▲ 0.50% · 4.625%
HK$11,229
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,170/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,081
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,378
−HK$302/mo
Today · 4.125%
HK$11,680
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$616/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,360/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$405/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,438
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,247
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,629
−HK$388/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$312K (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).