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$7,093
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,314
−HK$224/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,997
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,076/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$7,891
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,103
−HK$215/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,756
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,636/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$8,512
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$269/mo
Today · 4.125%
HK$9,046
baseline
▲ 0.50% · 4.625%
HK$9,596
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,092/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,469
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$258/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,507
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,962/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,931
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$314/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,106/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,048
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,344
−HK$301/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,258
+HK$613/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,290/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,768
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,165
−HK$404/mo
Today · 4.125%
HK$13,569
baseline
▲ 0.50% · 4.625%
HK$14,394
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,138/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,204
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$387/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,761
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$311K (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).