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$7,096
−HK$444/mo
▼ 0.25% · 3.875%
HK$7,316
−HK$224/mo
Today · 4.125%
HK$7,540
baseline
▲ 0.50% · 4.625%
HK$7,999
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,080/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$7,894
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,105
−HK$215/mo
Today · 4.125%
HK$8,320
baseline
▲ 0.50% · 4.625%
HK$8,759
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,640/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$8,515
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$269/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,599
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,098/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$9,472
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$257/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$527/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,968/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$9,934
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,243
−HK$314/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,199
+HK$642/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,114/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,051
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$300/mo
Today · 4.125%
HK$11,648
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,296/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,772
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,169
−HK$404/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,146/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$14,209
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$386/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,952/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).