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$7,126
−HK$446/mo
▼ 0.25% · 3.875%
HK$7,347
−HK$225/mo
Today · 4.125%
HK$7,572
baseline
▲ 0.50% · 4.625%
HK$8,033
+HK$461/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$15,144/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$7,927
−HK$428/mo
▼ 0.25% · 3.875%
HK$8,140
−HK$215/mo
Today · 4.125%
HK$8,355
baseline
▲ 0.50% · 4.625%
HK$8,796
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,710/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$8,551
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,817
−HK$270/mo
Today · 4.125%
HK$9,087
baseline
▲ 0.50% · 4.625%
HK$9,640
+HK$553/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$18,174/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$9,513
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,768
−HK$259/mo
Today · 4.125%
HK$10,027
baseline
▲ 0.50% · 4.625%
HK$10,555
+HK$528/mo
Deposit HK$1.25M · loan HK$1.87M · min. income ≈ HK$20,054/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$9,976
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,286
−HK$315/mo
Today · 4.125%
HK$10,601
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$646/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$21,202/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$11,098
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$302/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$616/mo
Deposit HK$937K · loan HK$2.19M · min. income ≈ HK$23,396/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$12,826
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$405/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$830/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,260/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$14,269
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,652
−HK$388/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,833
+HK$793/mo
Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$30,080/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).