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$7,126
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,348
−HK$225/mo
Today · 4.125%
HK$7,573
baseline
▲ 0.50% · 4.625%
HK$8,034
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,146/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$7,928
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$216/mo
Today · 4.125%
HK$8,356
baseline
▲ 0.50% · 4.625%
HK$8,796
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,712/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$8,551
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$270/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$553/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,174/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$9,513
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$259/mo
Today · 4.125%
HK$10,027
baseline
▲ 0.50% · 4.625%
HK$10,556
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,054/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$9,976
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$315/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$645/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,204/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,099
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$302/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,827
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$405/mo
Today · 4.125%
HK$13,631
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,262/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,270
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$389/mo
Today · 4.125%
HK$15,041
baseline
▲ 0.50% · 4.625%
HK$15,833
+HK$792/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,082/mo (50% DSR)
Upfront cash ≈ HK$313K (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).