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$7,128
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,349
−HK$226/mo
Today · 4.125%
HK$7,575
baseline
▲ 0.50% · 4.625%
HK$8,035
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,150/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$7,929
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$216/mo
Today · 4.125%
HK$8,358
baseline
▲ 0.50% · 4.625%
HK$8,798
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,716/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$8,553
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,819
−HK$270/mo
Today · 4.125%
HK$9,089
baseline
▲ 0.50% · 4.625%
HK$9,643
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,178/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$9,515
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,770
−HK$259/mo
Today · 4.125%
HK$10,029
baseline
▲ 0.50% · 4.625%
HK$10,558
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,058/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$9,979
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$315/mo
Today · 4.125%
HK$10,604
baseline
▲ 0.50% · 4.625%
HK$11,250
+HK$646/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,208/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,101
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,399
−HK$302/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,318
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,402/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$405/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,268/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$14,273
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$388/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,837
+HK$793/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,088/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).