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$7,133
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,355
−HK$225/mo
Today · 4.125%
HK$7,580
baseline
▲ 0.50% · 4.625%
HK$8,042
+HK$462/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,160/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$7,935
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,148
−HK$216/mo
Today · 4.125%
HK$8,364
baseline
▲ 0.50% · 4.625%
HK$8,805
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,728/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$8,560
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,826
−HK$270/mo
Today · 4.125%
HK$9,096
baseline
▲ 0.50% · 4.625%
HK$9,650
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,192/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$9,522
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,778
−HK$259/mo
Today · 4.125%
HK$10,037
baseline
▲ 0.50% · 4.625%
HK$10,566
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,074/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$9,986
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$315/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,258
+HK$646/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,224/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$11,110
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$303/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,327
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,420/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$12,839
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,239
−HK$406/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$830/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,290/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$14,284
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,667
−HK$388/mo
Today · 4.125%
HK$15,055
baseline
▲ 0.50% · 4.625%
HK$15,849
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,110/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).