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$7,128
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,350
−HK$225/mo
Today · 4.125%
HK$7,575
baseline
▲ 0.50% · 4.625%
HK$8,036
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,150/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$7,930
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,143
−HK$216/mo
Today · 4.125%
HK$8,359
baseline
▲ 0.50% · 4.625%
HK$8,799
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,718/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$8,554
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,820
−HK$271/mo
Today · 4.125%
HK$9,091
baseline
▲ 0.50% · 4.625%
HK$9,644
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,182/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$9,516
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,772
−HK$259/mo
Today · 4.125%
HK$10,031
baseline
▲ 0.50% · 4.625%
HK$10,559
+HK$528/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,062/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$9,980
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,290
−HK$316/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$645/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,212/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,102
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,400
−HK$302/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,404/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,831
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$406/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,466
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,272/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$14,275
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,657
−HK$389/mo
Today · 4.125%
HK$15,046
baseline
▲ 0.50% · 4.625%
HK$15,839
+HK$793/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,092/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).