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$7,116
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,338
−HK$225/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$8,023
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,126/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$7,917
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,129
−HK$216/mo
Today · 4.125%
HK$8,345
baseline
▲ 0.50% · 4.625%
HK$8,784
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,690/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$8,540
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$270/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,150/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$9,500
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$258/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,026/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$9,963
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,273
−HK$315/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,232
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,176/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,084
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$301/mo
Today · 4.125%
HK$11,682
baseline
▲ 0.50% · 4.625%
HK$12,298
+HK$616/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,364/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,809
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$405/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,226/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$14,250
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$388/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,812
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,040/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).