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$7,113
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,334
−HK$225/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$8,019
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,118/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$7,913
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$215/mo
Today · 4.125%
HK$8,340
baseline
▲ 0.50% · 4.625%
HK$8,780
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,680/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$8,535
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,801
−HK$269/mo
Today · 4.125%
HK$9,070
baseline
▲ 0.50% · 4.625%
HK$9,622
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,140/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$9,495
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$258/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,536
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,016/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$9,958
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,267
−HK$315/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,226
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,164/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,078
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$301/mo
Today · 4.125%
HK$11,676
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$616/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,352/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,803
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$405/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$827/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,212/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$14,243
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$387/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,024/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).