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$7,364
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$233/mo
Today · 4.125%
HK$7,826
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,652/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$8,193
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$223/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,270/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$8,837
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,112
−HK$279/mo
Today · 4.125%
HK$9,391
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,782/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$9,831
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$267/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,909
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,724/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$10,310
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,623
+HK$666/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,470
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,777
−HK$312/mo
Today · 4.125%
HK$12,089
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,178/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,256
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,668
−HK$419/mo
Today · 4.125%
HK$14,087
baseline
▲ 0.50% · 4.625%
HK$14,944
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,174/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,747
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$402/mo
Today · 4.125%
HK$15,544
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$819/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,088/mo (50% DSR)
Upfront cash ≈ HK$323K (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).