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$7,129
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,351
−HK$226/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$7,931
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,144
−HK$216/mo
Today · 4.125%
HK$8,360
baseline
▲ 0.50% · 4.625%
HK$8,801
+HK$441/mo
Deposit HK$1.56M · loan HK$1.56M · min. income ≈ HK$16,720/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$8,555
−HK$537/mo
▼ 0.25% · 3.875%
HK$8,821
−HK$271/mo
Today · 4.125%
HK$9,092
baseline
▲ 0.50% · 4.625%
HK$9,645
+HK$553/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$514/mo
▼ 0.25% · 3.875%
HK$9,773
−HK$259/mo
Today · 4.125%
HK$10,032
baseline
▲ 0.50% · 4.625%
HK$10,561
+HK$529/mo
Deposit HK$1.25M · loan HK$1.88M · min. income ≈ HK$20,064/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$9,981
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$315/mo
Today · 4.125%
HK$10,607
baseline
▲ 0.50% · 4.625%
HK$11,253
+HK$646/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$21,214/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$11,104
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,402
−HK$302/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,321
+HK$617/mo
Deposit HK$938K · loan HK$2.19M · min. income ≈ HK$23,408/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$12,833
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$406/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$830/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$27,276/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$14,277
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$388/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$793/mo
Deposit HK$313K · loan HK$2.81M · min. income ≈ HK$30,096/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).