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$7,113
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,334
−HK$225/mo
Today · 4.125%
HK$7,559
baseline
▲ 0.50% · 4.625%
HK$8,019
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,118/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$7,913
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,125
−HK$216/mo
Today · 4.125%
HK$8,341
baseline
▲ 0.50% · 4.625%
HK$8,780
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,682/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$8,536
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,801
−HK$270/mo
Today · 4.125%
HK$9,071
baseline
▲ 0.50% · 4.625%
HK$9,623
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,142/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$9,496
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$259/mo
Today · 4.125%
HK$10,009
baseline
▲ 0.50% · 4.625%
HK$10,536
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,018/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$9,958
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$315/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,166/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$11,078
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$302/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$615/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,354/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$12,803
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$404/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,434
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,212/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$14,244
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,626
−HK$387/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$791/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,026/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).