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$7,137
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,359
−HK$226/mo
Today · 4.125%
HK$7,585
baseline
▲ 0.50% · 4.625%
HK$8,046
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,170/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,940
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,153
−HK$216/mo
Today · 4.125%
HK$8,369
baseline
▲ 0.50% · 4.625%
HK$8,810
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,738/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,565
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,831
−HK$271/mo
Today · 4.125%
HK$9,102
baseline
▲ 0.50% · 4.625%
HK$9,656
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,204/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$9,528
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,784
−HK$259/mo
Today · 4.125%
HK$10,043
baseline
▲ 0.50% · 4.625%
HK$10,572
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,086/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$9,992
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$316/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,238/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,116
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,414
−HK$303/mo
Today · 4.125%
HK$11,717
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$617/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,434/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$406/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$830/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,292
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$389/mo
Today · 4.125%
HK$15,064
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,128/mo (50% DSR)
Upfront cash ≈ HK$313K (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).