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$7,111
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,332
−HK$225/mo
Today · 4.125%
HK$7,557
baseline
▲ 0.50% · 4.625%
HK$8,017
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,114/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$7,911
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,123
−HK$215/mo
Today · 4.125%
HK$8,338
baseline
▲ 0.50% · 4.625%
HK$8,778
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,676/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$8,533
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,799
−HK$269/mo
Today · 4.125%
HK$9,068
baseline
▲ 0.50% · 4.625%
HK$9,620
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,136/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$9,493
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,748
−HK$258/mo
Today · 4.125%
HK$10,006
baseline
▲ 0.50% · 4.625%
HK$10,534
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,012/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$9,956
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$315/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,224
+HK$644/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$21,160/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$11,076
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,373
−HK$301/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$615/mo
Deposit HK$936K · loan HK$2.18M · min. income ≈ HK$23,348/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$12,800
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,198
−HK$405/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$827/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,206/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$14,240
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$387/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,800
+HK$791/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,018/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).