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$7,136
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,358
−HK$225/mo
Today · 4.125%
HK$7,583
baseline
▲ 0.50% · 4.625%
HK$8,045
+HK$462/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,166/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$7,939
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$216/mo
Today · 4.125%
HK$8,367
baseline
▲ 0.50% · 4.625%
HK$8,809
+HK$442/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,734/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$8,563
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$271/mo
Today · 4.125%
HK$9,100
baseline
▲ 0.50% · 4.625%
HK$9,654
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,200/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$9,526
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,782
−HK$259/mo
Today · 4.125%
HK$10,041
baseline
▲ 0.50% · 4.625%
HK$10,570
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,082/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$9,990
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$316/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,263
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,234/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$11,114
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$302/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,428/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$12,845
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$406/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,300/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$14,289
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$388/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,122/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).