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$7,131
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,353
−HK$225/mo
Today · 4.125%
HK$7,578
baseline
▲ 0.50% · 4.625%
HK$8,039
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,156/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$7,933
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,146
−HK$216/mo
Today · 4.125%
HK$8,362
baseline
▲ 0.50% · 4.625%
HK$8,803
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,724/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$8,557
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,824
−HK$270/mo
Today · 4.125%
HK$9,094
baseline
▲ 0.50% · 4.625%
HK$9,647
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,188/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$9,520
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,775
−HK$259/mo
Today · 4.125%
HK$10,034
baseline
▲ 0.50% · 4.625%
HK$10,563
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,068/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$9,984
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,294
−HK$316/mo
Today · 4.125%
HK$10,610
baseline
▲ 0.50% · 4.625%
HK$11,255
+HK$645/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,220/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$11,107
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$303/mo
Today · 4.125%
HK$11,707
baseline
▲ 0.50% · 4.625%
HK$12,324
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,414/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$12,836
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$406/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,282/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$14,280
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,663
−HK$388/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,845
+HK$794/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,102/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).