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$7,113
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,335
−HK$225/mo
Today · 4.125%
HK$7,560
baseline
▲ 0.50% · 4.625%
HK$8,019
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,120/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$7,914
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,126
−HK$215/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,781
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,682/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$8,536
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$269/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,142/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$9,496
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$258/mo
Today · 4.125%
HK$10,009
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,018/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$9,959
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$314/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,166/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$11,079
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$302/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$615/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,356/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$12,804
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$405/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,435
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,214/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$14,245
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$387/mo
Today · 4.125%
HK$15,014
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,028/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).