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$7,098
−HK$445/mo
▼ 0.25% · 3.875%
HK$7,319
−HK$224/mo
Today · 4.125%
HK$7,543
baseline
▲ 0.50% · 4.625%
HK$8,002
+HK$459/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,086/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$7,897
−HK$426/mo
▼ 0.25% · 3.875%
HK$8,109
−HK$214/mo
Today · 4.125%
HK$8,323
baseline
▲ 0.50% · 4.625%
HK$8,762
+HK$439/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,646/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$8,518
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,783
−HK$269/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,603
+HK$551/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,104/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$9,476
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,730
−HK$258/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$527/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$19,976/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$9,938
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$314/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$642/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$21,122/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$11,056
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$301/mo
Today · 4.125%
HK$11,653
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$614/mo
Deposit HK$934K · loan HK$2.18M · min. income ≈ HK$23,306/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$12,777
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$404/mo
Today · 4.125%
HK$13,578
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$826/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,156/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$14,214
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$387/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$790/mo
Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$29,964/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).