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$7,132
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,354
−HK$225/mo
Today · 4.125%
HK$7,579
baseline
▲ 0.50% · 4.625%
HK$8,040
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,158/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$7,934
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,147
−HK$216/mo
Today · 4.125%
HK$8,363
baseline
▲ 0.50% · 4.625%
HK$8,804
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,726/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$8,558
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,825
−HK$270/mo
Today · 4.125%
HK$9,095
baseline
▲ 0.50% · 4.625%
HK$9,648
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,190/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$9,521
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,776
−HK$259/mo
Today · 4.125%
HK$10,035
baseline
▲ 0.50% · 4.625%
HK$10,564
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,070/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$9,985
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$316/mo
Today · 4.125%
HK$10,611
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$646/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,222/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,108
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$302/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,838
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$406/mo
Today · 4.125%
HK$13,643
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,286/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$14,282
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,665
−HK$388/mo
Today · 4.125%
HK$15,053
baseline
▲ 0.50% · 4.625%
HK$15,847
+HK$794/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,106/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).