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$7,107
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,328
−HK$224/mo
Today · 4.125%
HK$7,552
baseline
▲ 0.50% · 4.625%
HK$8,012
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,104/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$7,906
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,118
−HK$215/mo
Today · 4.125%
HK$8,333
baseline
▲ 0.50% · 4.625%
HK$8,773
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,666/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$8,528
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,793
−HK$270/mo
Today · 4.125%
HK$9,063
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,126/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$9,487
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$258/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,000/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$9,949
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$314/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$644/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,146/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$11,069
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$301/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,334/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$12,792
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,190
−HK$404/mo
Today · 4.125%
HK$13,594
baseline
▲ 0.50% · 4.625%
HK$14,422
+HK$828/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$27,188/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$14,231
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$387/mo
Today · 4.125%
HK$15,000
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$791/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$30,000/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).