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$7,134
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,355
−HK$226/mo
Today · 4.125%
HK$7,581
baseline
▲ 0.50% · 4.625%
HK$8,042
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,162/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$7,936
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,149
−HK$216/mo
Today · 4.125%
HK$8,365
baseline
▲ 0.50% · 4.625%
HK$8,806
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,730/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$8,560
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,827
−HK$270/mo
Today · 4.125%
HK$9,097
baseline
▲ 0.50% · 4.625%
HK$9,651
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,194/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$9,523
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,779
−HK$259/mo
Today · 4.125%
HK$10,038
baseline
▲ 0.50% · 4.625%
HK$10,567
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,076/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$9,987
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$315/mo
Today · 4.125%
HK$10,613
baseline
▲ 0.50% · 4.625%
HK$11,259
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,226/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$11,110
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$303/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$617/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,422/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$12,840
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,240
−HK$406/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$830/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,292/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$14,285
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,668
−HK$389/mo
Today · 4.125%
HK$15,057
baseline
▲ 0.50% · 4.625%
HK$15,850
+HK$793/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,114/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).