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$7,121
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,343
−HK$225/mo
Today · 4.125%
HK$7,568
baseline
▲ 0.50% · 4.625%
HK$8,028
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,136/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$7,922
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,135
−HK$215/mo
Today · 4.125%
HK$8,350
baseline
▲ 0.50% · 4.625%
HK$8,790
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,700/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$8,545
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,811
−HK$270/mo
Today · 4.125%
HK$9,081
baseline
▲ 0.50% · 4.625%
HK$9,634
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,162/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$9,507
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,762
−HK$258/mo
Today · 4.125%
HK$10,020
baseline
▲ 0.50% · 4.625%
HK$10,548
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,040/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$9,970
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$315/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$644/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,190/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,091
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$301/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,307
+HK$617/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,380/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,818
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$405/mo
Today · 4.125%
HK$13,622
baseline
▲ 0.50% · 4.625%
HK$14,451
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,244/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$14,260
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$388/mo
Today · 4.125%
HK$15,030
baseline
▲ 0.50% · 4.625%
HK$15,823
+HK$793/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,060/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).