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$7,130
−HK$447/mo
▼ 0.25% · 3.875%
HK$7,352
−HK$225/mo
Today · 4.125%
HK$7,577
baseline
▲ 0.50% · 4.625%
HK$8,038
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,154/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$7,932
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,145
−HK$216/mo
Today · 4.125%
HK$8,361
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$440/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,722/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$8,556
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,822
−HK$270/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,646
+HK$554/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$18,184/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$9,518
−HK$515/mo
▼ 0.25% · 3.875%
HK$9,774
−HK$259/mo
Today · 4.125%
HK$10,033
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$528/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,066/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$9,982
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$316/mo
Today · 4.125%
HK$10,608
baseline
▲ 0.50% · 4.625%
HK$11,253
+HK$645/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,216/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,105
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,403
−HK$302/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,410/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$406/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,278/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$14,278
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$388/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$793/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,098/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).