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$7,137
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,359
−HK$225/mo
Today · 4.125%
HK$7,584
baseline
▲ 0.50% · 4.625%
HK$8,046
+HK$462/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,168/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$7,939
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,152
−HK$216/mo
Today · 4.125%
HK$8,368
baseline
▲ 0.50% · 4.625%
HK$8,809
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,736/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$8,564
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,830
−HK$271/mo
Today · 4.125%
HK$9,101
baseline
▲ 0.50% · 4.625%
HK$9,655
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,202/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$9,527
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,783
−HK$259/mo
Today · 4.125%
HK$10,042
baseline
▲ 0.50% · 4.625%
HK$10,571
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,084/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$9,991
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,302
−HK$316/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$646/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$21,236/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,115
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$303/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$617/mo
Deposit HK$939K · loan HK$2.19M · min. income ≈ HK$23,432/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$406/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$831/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$313K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$389/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$794/mo
Deposit HK$313K · loan HK$2.82M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$313K (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).