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$7,095
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$225/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$458/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,080/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$7,893
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$215/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,758
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,638/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$8,514
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$270/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,096/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$9,471
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$258/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,966/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$9,933
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,242
−HK$313/mo
Today · 4.125%
HK$10,555
baseline
▲ 0.50% · 4.625%
HK$11,198
+HK$643/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,110/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,050
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,346
−HK$301/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$614/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,294/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,770
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$403/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,397
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,142/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$14,207
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,588
−HK$387/mo
Today · 4.125%
HK$14,975
baseline
▲ 0.50% · 4.625%
HK$15,764
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,950/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).