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$7,108
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,329
−HK$225/mo
Today · 4.125%
HK$7,554
baseline
▲ 0.50% · 4.625%
HK$8,013
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,108/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$7,908
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,120
−HK$215/mo
Today · 4.125%
HK$8,335
baseline
▲ 0.50% · 4.625%
HK$8,774
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,670/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$8,530
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,795
−HK$270/mo
Today · 4.125%
HK$9,065
baseline
▲ 0.50% · 4.625%
HK$9,616
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,130/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$9,489
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,744
−HK$258/mo
Today · 4.125%
HK$10,002
baseline
▲ 0.50% · 4.625%
HK$10,529
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,004/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$9,951
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$314/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,219
+HK$644/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,150/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,071
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,368
−HK$301/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,338/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,794
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$405/mo
Today · 4.125%
HK$13,597
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$827/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,194/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$14,234
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,615
−HK$388/mo
Today · 4.125%
HK$15,003
baseline
▲ 0.50% · 4.625%
HK$15,793
+HK$790/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,006/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).