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$7,119
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,341
−HK$225/mo
Today · 4.125%
HK$7,566
baseline
▲ 0.50% · 4.625%
HK$8,026
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,132/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$7,920
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,133
−HK$215/mo
Today · 4.125%
HK$8,348
baseline
▲ 0.50% · 4.625%
HK$8,788
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,696/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$8,543
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,809
−HK$270/mo
Today · 4.125%
HK$9,079
baseline
▲ 0.50% · 4.625%
HK$9,631
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,158/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$9,504
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,759
−HK$259/mo
Today · 4.125%
HK$10,018
baseline
▲ 0.50% · 4.625%
HK$10,546
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,036/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$9,967
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$315/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$645/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,184/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,088
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,386
−HK$301/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$616/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,374/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,815
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,213
−HK$405/mo
Today · 4.125%
HK$13,618
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,236/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$14,256
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,639
−HK$387/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,819
+HK$793/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,052/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).