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$7,124
−HK$447/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$8,138
−HK$216/mo
Today · 4.125%
HK$8,354
baseline
▲ 0.50% · 4.625%
HK$8,794
+HK$440/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$8,549
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,815
−HK$270/mo
Today · 4.125%
HK$9,085
baseline
▲ 0.50% · 4.625%
HK$9,638
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,170/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$10,553
+HK$528/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$9,974
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,284
−HK$316/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$11,096
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$302/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$616/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$804/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$405/mo
Today · 4.125%
HK$13,628
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,256/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$770/mo
▼ 0.25% · 3.875%
HK$14,649
−HK$388/mo
Today · 4.125%
HK$15,037
baseline
▲ 0.50% · 4.625%
HK$15,830
+HK$793/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,074/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).