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$7,098
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,318
−HK$225/mo
Today · 4.125%
HK$7,543
baseline
▲ 0.50% · 4.625%
HK$8,002
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,086/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$7,896
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,108
−HK$215/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,761
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,646/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$8,517
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,782
−HK$269/mo
Today · 4.125%
HK$9,051
baseline
▲ 0.50% · 4.625%
HK$9,602
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,102/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$9,475
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,729
−HK$258/mo
Today · 4.125%
HK$9,987
baseline
▲ 0.50% · 4.625%
HK$10,514
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,974/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$9,937
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$314/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$642/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,120/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$11,054
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$301/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,304/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$12,776
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,173
−HK$404/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,154/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$14,213
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,594
−HK$387/mo
Today · 4.125%
HK$14,981
baseline
▲ 0.50% · 4.625%
HK$15,770
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,962/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).