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$7,117
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,338
−HK$225/mo
Today · 4.125%
HK$7,563
baseline
▲ 0.50% · 4.625%
HK$8,023
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,126/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$7,917
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,130
−HK$215/mo
Today · 4.125%
HK$8,345
baseline
▲ 0.50% · 4.625%
HK$8,785
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,690/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$8,540
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,806
−HK$270/mo
Today · 4.125%
HK$9,076
baseline
▲ 0.50% · 4.625%
HK$9,628
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,152/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$9,501
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,756
−HK$258/mo
Today · 4.125%
HK$10,014
baseline
▲ 0.50% · 4.625%
HK$10,542
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,028/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$9,964
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,274
−HK$314/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$645/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,176/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$11,084
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,382
−HK$301/mo
Today · 4.125%
HK$11,683
baseline
▲ 0.50% · 4.625%
HK$12,299
+HK$616/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,366/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$12,810
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,209
−HK$405/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,442
+HK$828/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,228/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$14,251
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$387/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,042/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).