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$7,135
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,357
−HK$226/mo
Today · 4.125%
HK$7,583
baseline
▲ 0.50% · 4.625%
HK$8,044
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,166/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$7,938
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,151
−HK$216/mo
Today · 4.125%
HK$8,367
baseline
▲ 0.50% · 4.625%
HK$8,808
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,734/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$8,562
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,829
−HK$270/mo
Today · 4.125%
HK$9,099
baseline
▲ 0.50% · 4.625%
HK$9,653
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,198/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$9,525
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,781
−HK$259/mo
Today · 4.125%
HK$10,040
baseline
▲ 0.50% · 4.625%
HK$10,569
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,080/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$9,989
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$316/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,262
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,232/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,113
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$302/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$618/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,426/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,843
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$406/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,479
+HK$830/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,298/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$14,288
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,671
−HK$389/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,120/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).