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$7,133
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,355
−HK$226/mo
Today · 4.125%
HK$7,581
baseline
▲ 0.50% · 4.625%
HK$8,042
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,162/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$7,936
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,149
−HK$216/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,730/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$8,560
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$271/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,194/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$9,523
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$260/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,076/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$9,987
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$316/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,226/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,110
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$302/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,420/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,840
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$405/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,285
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$388/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$313K (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).