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$7,092
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$224/mo
Today · 4.125%
HK$7,537
baseline
▲ 0.50% · 4.625%
HK$7,996
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,074/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$7,890
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$214/mo
Today · 4.125%
HK$8,316
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,632/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$8,511
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$269/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$551/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,088/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,468
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$258/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,960/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,929
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$314/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,104/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,046
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$301/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$613/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,286/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,766
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$403/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,202
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$386/mo
Today · 4.125%
HK$14,969
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,938/mo (50% DSR)
Upfront cash ≈ HK$311K (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).