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$7,094
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,315
−HK$224/mo
Today · 4.125%
HK$7,539
baseline
▲ 0.50% · 4.625%
HK$7,998
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,078/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$7,892
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,104
−HK$214/mo
Today · 4.125%
HK$8,318
baseline
▲ 0.50% · 4.625%
HK$8,757
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,636/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$8,513
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$269/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$550/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,094/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$9,470
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,724
−HK$258/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,508
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,964/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$9,932
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,241
−HK$313/mo
Today · 4.125%
HK$10,554
baseline
▲ 0.50% · 4.625%
HK$11,197
+HK$643/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$21,108/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,049
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$301/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,260
+HK$614/mo
Deposit HK$933K · loan HK$2.18M · min. income ≈ HK$23,292/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,769
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$404/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,140/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$14,206
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$386/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,946/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).