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$7,122
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$225/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$8,029
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,136/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$7,923
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$216/mo
Today · 4.125%
HK$8,351
baseline
▲ 0.50% · 4.625%
HK$8,791
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,702/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$8,546
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,812
−HK$270/mo
Today · 4.125%
HK$9,082
baseline
▲ 0.50% · 4.625%
HK$9,635
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,164/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$9,507
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$259/mo
Today · 4.125%
HK$10,021
baseline
▲ 0.50% · 4.625%
HK$10,549
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,042/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$9,970
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$316/mo
Today · 4.125%
HK$10,596
baseline
▲ 0.50% · 4.625%
HK$11,240
+HK$644/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,192/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$11,092
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$302/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$616/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,382/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$12,819
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$405/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,246/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$14,261
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$388/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,064/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).