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$7,097
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,317
−HK$225/mo
Today · 4.125%
HK$7,542
baseline
▲ 0.50% · 4.625%
HK$8,001
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,084/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$7,895
−HK$427/mo
▼ 0.25% · 3.875%
HK$8,107
−HK$215/mo
Today · 4.125%
HK$8,322
baseline
▲ 0.50% · 4.625%
HK$8,760
+HK$438/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,644/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$8,516
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$269/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$551/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$18,100/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$9,474
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$258/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$526/mo
Deposit HK$1.24M · loan HK$1.87M · min. income ≈ HK$19,972/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$9,935
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$314/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,201
+HK$643/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,116/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$11,053
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$301/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,300/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$12,774
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$404/mo
Today · 4.125%
HK$13,575
baseline
▲ 0.50% · 4.625%
HK$14,401
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,150/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$14,211
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,592
−HK$387/mo
Today · 4.125%
HK$14,979
baseline
▲ 0.50% · 4.625%
HK$15,768
+HK$789/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,958/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).