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$7,109
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$224/mo
Today · 4.125%
HK$7,555
baseline
▲ 0.50% · 4.625%
HK$8,015
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,110/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$7,909
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,121
−HK$215/mo
Today · 4.125%
HK$8,336
baseline
▲ 0.50% · 4.625%
HK$8,776
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,672/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$8,531
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$269/mo
Today · 4.125%
HK$9,066
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,132/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$9,491
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$258/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,008/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$9,953
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$314/mo
Today · 4.125%
HK$10,577
baseline
▲ 0.50% · 4.625%
HK$11,221
+HK$644/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,154/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,073
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$301/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,342/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,797
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,195
−HK$404/mo
Today · 4.125%
HK$13,599
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,198/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$14,237
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$388/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$791/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,012/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).