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$7,101
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,322
−HK$224/mo
Today · 4.125%
HK$7,546
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,092/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$7,900
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$215/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,765
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,652/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$8,521
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$269/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,110/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$9,479
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$258/mo
Today · 4.125%
HK$9,992
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$526/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,984/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$9,941
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$315/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,207
+HK$642/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,130/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,059
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$301/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,314/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,781
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$404/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,409
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,166/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$14,219
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,601
−HK$386/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,974/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).