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$7,106
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,327
−HK$224/mo
Today · 4.125%
HK$7,551
baseline
▲ 0.50% · 4.625%
HK$8,011
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,102/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$7,905
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,117
−HK$215/mo
Today · 4.125%
HK$8,332
baseline
▲ 0.50% · 4.625%
HK$8,771
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,664/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$8,527
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$270/mo
Today · 4.125%
HK$9,062
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,124/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$9,486
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$259/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,998/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$9,948
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$315/mo
Today · 4.125%
HK$10,572
baseline
▲ 0.50% · 4.625%
HK$11,215
+HK$643/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,144/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,067
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$301/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,330/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,790
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$404/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$827/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$27,184/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$14,229
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$387/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$790/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$29,996/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).