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$7,104
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,325
−HK$224/mo
Today · 4.125%
HK$7,549
baseline
▲ 0.50% · 4.625%
HK$8,009
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,098/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$7,903
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,115
−HK$215/mo
Today · 4.125%
HK$8,330
baseline
▲ 0.50% · 4.625%
HK$8,769
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,660/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$8,525
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$269/mo
Today · 4.125%
HK$9,059
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,118/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$9,484
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$258/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,523
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,992/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$9,946
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$314/mo
Today · 4.125%
HK$10,569
baseline
▲ 0.50% · 4.625%
HK$11,212
+HK$643/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,138/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$11,064
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$301/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$615/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,324/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$12,787
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$404/mo
Today · 4.125%
HK$13,589
baseline
▲ 0.50% · 4.625%
HK$14,416
+HK$827/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$27,178/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$14,226
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,607
−HK$387/mo
Today · 4.125%
HK$14,994
baseline
▲ 0.50% · 4.625%
HK$15,784
+HK$790/mo
Deposit HK$312K · loan HK$2.80M · min. income ≈ HK$29,988/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).