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$7,321
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,548
−HK$232/mo
Today · 4.125%
HK$7,780
baseline
▲ 0.50% · 4.625%
HK$8,253
+HK$473/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,560/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$8,144
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,363
−HK$221/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,037
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,168/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$8,785
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,058
−HK$278/mo
Today · 4.125%
HK$9,336
baseline
▲ 0.50% · 4.625%
HK$9,904
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,672/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,773
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$266/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,844
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,602/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,249
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,568
−HK$324/mo
Today · 4.125%
HK$10,892
baseline
▲ 0.50% · 4.625%
HK$11,554
+HK$662/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,784/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,402
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$310/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,651
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,036/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,177
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,587
−HK$416/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,856
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,659
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$398/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,266
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$321K (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).