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$7,326
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$231/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,259
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,570/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$8,150
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$222/mo
Today · 4.125%
HK$8,590
baseline
▲ 0.50% · 4.625%
HK$9,043
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,180/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$8,791
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$278/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,911
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,684/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$9,780
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$266/mo
Today · 4.125%
HK$10,308
baseline
▲ 0.50% · 4.625%
HK$10,852
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,616/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$10,256
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,575
−HK$324/mo
Today · 4.125%
HK$10,899
baseline
▲ 0.50% · 4.625%
HK$11,562
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,798/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,410
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$310/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,660
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,052/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,186
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$416/mo
Today · 4.125%
HK$14,013
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,026/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$14,670
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$399/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,277
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,924/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).