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$7,123
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,345
−HK$225/mo
Today · 4.125%
HK$7,570
baseline
▲ 0.50% · 4.625%
HK$8,030
+HK$460/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,140/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$7,924
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,137
−HK$216/mo
Today · 4.125%
HK$8,353
baseline
▲ 0.50% · 4.625%
HK$8,793
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,706/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$8,548
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,814
−HK$270/mo
Today · 4.125%
HK$9,084
baseline
▲ 0.50% · 4.625%
HK$9,636
+HK$552/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,168/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$9,509
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,764
−HK$259/mo
Today · 4.125%
HK$10,023
baseline
▲ 0.50% · 4.625%
HK$10,551
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,046/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$9,972
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$315/mo
Today · 4.125%
HK$10,598
baseline
▲ 0.50% · 4.625%
HK$11,243
+HK$645/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,196/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$11,094
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$302/mo
Today · 4.125%
HK$11,694
baseline
▲ 0.50% · 4.625%
HK$12,310
+HK$616/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,388/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$12,822
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$406/mo
Today · 4.125%
HK$13,626
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$829/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,252/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$14,264
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$389/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$792/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,070/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).