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$7,093
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,313
−HK$225/mo
Today · 4.125%
HK$7,538
baseline
▲ 0.50% · 4.625%
HK$7,996
+HK$458/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,076/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$7,891
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,102
−HK$215/mo
Today · 4.125%
HK$8,317
baseline
▲ 0.50% · 4.625%
HK$8,755
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,634/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$8,511
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,776
−HK$269/mo
Today · 4.125%
HK$9,045
baseline
▲ 0.50% · 4.625%
HK$9,595
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,090/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,469
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$257/mo
Today · 4.125%
HK$9,980
baseline
▲ 0.50% · 4.625%
HK$10,506
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,960/mo (50% DSR)
Upfront cash ≈ HK$1.24M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,930
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,239
−HK$314/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,106/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,047
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$301/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$613/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,288/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,767
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,164
−HK$404/mo
Today · 4.125%
HK$13,568
baseline
▲ 0.50% · 4.625%
HK$14,393
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,136/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$14,203
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,584
−HK$386/mo
Today · 4.125%
HK$14,970
baseline
▲ 0.50% · 4.625%
HK$15,760
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,940/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).