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$7,100
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,321
−HK$224/mo
Today · 4.125%
HK$7,545
baseline
▲ 0.50% · 4.625%
HK$8,005
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,090/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$7,899
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,111
−HK$215/mo
Today · 4.125%
HK$8,326
baseline
▲ 0.50% · 4.625%
HK$8,764
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,652/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$8,520
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$269/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,605
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,108/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$9,479
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,733
−HK$258/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$526/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,982/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$9,940
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$315/mo
Today · 4.125%
HK$10,564
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$642/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,128/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,058
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$301/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,312/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,780
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$404/mo
Today · 4.125%
HK$13,582
baseline
▲ 0.50% · 4.625%
HK$14,408
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,164/mo (50% DSR)
Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,218
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,599
−HK$387/mo
Today · 4.125%
HK$14,986
baseline
▲ 0.50% · 4.625%
HK$15,776
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,972/mo (50% DSR)
Upfront cash ≈ HK$311K (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).