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$7,339
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$232/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,600/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,165
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,384
−HK$222/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,060
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,212/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,807
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$279/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,929
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,720/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,798
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$266/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,872
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,654/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,275
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,595
−HK$325/mo
Today · 4.125%
HK$10,920
baseline
▲ 0.50% · 4.625%
HK$11,584
+HK$664/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,840/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,431
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$311/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,684
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,098/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,211
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$417/mo
Today · 4.125%
HK$14,039
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,078/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,697
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,091
−HK$400/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$322K (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).