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$7,121
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,342
−HK$225/mo
Today · 4.125%
HK$7,567
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,134/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$7,922
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,134
−HK$216/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,700/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$8,545
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,810
−HK$270/mo
Today · 4.125%
HK$9,080
baseline
▲ 0.50% · 4.625%
HK$9,633
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,160/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$9,506
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,761
−HK$258/mo
Today · 4.125%
HK$10,019
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$529/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,038/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$9,969
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$315/mo
Today · 4.125%
HK$10,594
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$645/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,188/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$11,090
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$301/mo
Today · 4.125%
HK$11,689
baseline
▲ 0.50% · 4.625%
HK$12,305
+HK$616/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,378/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$12,817
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$405/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,450
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,242/mo (50% DSR)
Upfront cash ≈ HK$312K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$388/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$312K (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).