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$7,110
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,331
−HK$224/mo
Today · 4.125%
HK$7,555
baseline
▲ 0.50% · 4.625%
HK$8,015
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,110/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$7,909
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,122
−HK$215/mo
Today · 4.125%
HK$8,337
baseline
▲ 0.50% · 4.625%
HK$8,776
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,674/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$8,532
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,797
−HK$270/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,618
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,134/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$9,491
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$258/mo
Today · 4.125%
HK$10,004
baseline
▲ 0.50% · 4.625%
HK$10,531
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,008/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$9,953
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$315/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,221
+HK$643/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$21,156/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$11,073
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$301/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$616/mo
Deposit HK$935K · loan HK$2.18M · min. income ≈ HK$23,342/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$12,797
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,195
−HK$405/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$827/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,200/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$14,237
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,619
−HK$387/mo
Today · 4.125%
HK$15,006
baseline
▲ 0.50% · 4.625%
HK$15,797
+HK$791/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,012/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).