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$7,110
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$225/mo
Today · 4.125%
HK$7,556
baseline
▲ 0.50% · 4.625%
HK$8,016
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,112/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$7,910
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$215/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,777
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,674/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$8,532
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$270/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,619
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,134/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$9,492
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$259/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,532
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,010/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$9,954
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$314/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$644/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,156/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,074
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$301/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,344/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,196
−HK$405/mo
Today · 4.125%
HK$13,601
baseline
▲ 0.50% · 4.625%
HK$14,428
+HK$827/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,202/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$14,238
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$387/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$791/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,014/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).