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$7,094
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$224/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,078/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$7,892
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$215/mo
Today · 4.125%
HK$8,319
baseline
▲ 0.50% · 4.625%
HK$8,757
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,638/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$8,513
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$269/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$551/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,094/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$9,471
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$258/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,966/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$9,932
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,241
−HK$314/mo
Today · 4.125%
HK$10,555
baseline
▲ 0.50% · 4.625%
HK$11,197
+HK$642/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,110/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$11,049
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,346
−HK$300/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,260
+HK$614/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,292/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$12,770
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,167
−HK$404/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$825/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,142/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$14,206
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$387/mo
Today · 4.125%
HK$14,974
baseline
▲ 0.50% · 4.625%
HK$15,763
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,948/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).