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$7,104
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,325
−HK$224/mo
Today · 4.125%
HK$7,549
baseline
▲ 0.50% · 4.625%
HK$8,008
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,098/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$7,903
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$215/mo
Today · 4.125%
HK$8,330
baseline
▲ 0.50% · 4.625%
HK$8,769
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,660/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$8,524
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$270/mo
Today · 4.125%
HK$9,059
baseline
▲ 0.50% · 4.625%
HK$9,610
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,118/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$9,483
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$259/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$526/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,992/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$9,945
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$315/mo
Today · 4.125%
HK$10,569
baseline
▲ 0.50% · 4.625%
HK$11,212
+HK$643/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,138/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$11,064
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,360
−HK$301/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,322/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$12,786
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,184
−HK$404/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,415
+HK$827/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$27,176/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$14,225
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$387/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$791/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$29,986/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).