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$7,125
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,346
−HK$225/mo
Today · 4.125%
HK$7,571
baseline
▲ 0.50% · 4.625%
HK$8,032
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,142/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$7,926
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,139
−HK$215/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,795
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,708/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$8,550
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,816
−HK$270/mo
Today · 4.125%
HK$9,086
baseline
▲ 0.50% · 4.625%
HK$9,639
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,172/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$9,511
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,766
−HK$259/mo
Today · 4.125%
HK$10,025
baseline
▲ 0.50% · 4.625%
HK$10,554
+HK$529/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,050/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$9,975
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$315/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$645/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,200/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,097
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$302/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,313
+HK$617/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,824
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$406/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,258/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$14,267
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$388/mo
Today · 4.125%
HK$15,038
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,076/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).