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$7,135
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,357
−HK$225/mo
Today · 4.125%
HK$7,582
baseline
▲ 0.50% · 4.625%
HK$8,044
+HK$462/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,164/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$7,937
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,150
−HK$216/mo
Today · 4.125%
HK$8,366
baseline
▲ 0.50% · 4.625%
HK$8,807
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,732/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$8,562
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,828
−HK$271/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,652
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,198/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$9,525
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,780
−HK$259/mo
Today · 4.125%
HK$10,039
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$530/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,078/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$9,989
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$316/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,230/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$11,112
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$303/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$617/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,426/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$12,843
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$406/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$830/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,296/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$14,287
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$389/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,118/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).