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$7,338
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$231/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,273
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,596/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$8,164
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$222/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,210/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$8,806
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$278/mo
Today · 4.125%
HK$9,358
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,716/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$9,797
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$267/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,870
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,652/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$10,274
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,593
−HK$325/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,582
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,836/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$11,429
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$311/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,094/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$13,209
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$417/mo
Today · 4.125%
HK$14,037
baseline
▲ 0.50% · 4.625%
HK$14,891
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,074/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$14,695
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$400/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$816/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,978/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).