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$7,105
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,326
−HK$225/mo
Today · 4.125%
HK$7,551
baseline
▲ 0.50% · 4.625%
HK$8,010
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,102/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$7,904
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,116
−HK$215/mo
Today · 4.125%
HK$8,331
baseline
▲ 0.50% · 4.625%
HK$8,771
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,662/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$8,526
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,791
−HK$270/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,122/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$9,485
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$258/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,996/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$9,947
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,256
−HK$315/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,214
+HK$643/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,142/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,066
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,363
−HK$301/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,328/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$404/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$827/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$27,182/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$14,228
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$387/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,787
+HK$791/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$29,992/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).