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$7,103
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,324
−HK$224/mo
Today · 4.125%
HK$7,548
baseline
▲ 0.50% · 4.625%
HK$8,007
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,096/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$7,902
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,113
−HK$215/mo
Today · 4.125%
HK$8,328
baseline
▲ 0.50% · 4.625%
HK$8,767
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,656/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$8,523
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$270/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,116/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$9,482
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,736
−HK$258/mo
Today · 4.125%
HK$9,994
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,988/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$9,944
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,253
−HK$314/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,210
+HK$643/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,134/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$11,062
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$301/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,320/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$12,785
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,182
−HK$404/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,413
+HK$827/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,172/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$14,223
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,604
−HK$387/mo
Today · 4.125%
HK$14,991
baseline
▲ 0.50% · 4.625%
HK$15,781
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,982/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).