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$7,099
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,320
−HK$224/mo
Today · 4.125%
HK$7,544
baseline
▲ 0.50% · 4.625%
HK$8,004
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,088/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$7,898
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,110
−HK$215/mo
Today · 4.125%
HK$8,325
baseline
▲ 0.50% · 4.625%
HK$8,763
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,650/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$8,519
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$269/mo
Today · 4.125%
HK$9,053
baseline
▲ 0.50% · 4.625%
HK$9,604
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,106/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$9,477
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,732
−HK$257/mo
Today · 4.125%
HK$9,989
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,978/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$9,939
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,248
−HK$314/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$643/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,124/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$11,057
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,354
−HK$300/mo
Today · 4.125%
HK$11,654
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$615/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,308/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$12,779
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$404/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,160/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$14,216
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$387/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,968/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).