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$7,342
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,571
−HK$232/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,277
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,606/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$8,168
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$222/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,063
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,218/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$8,811
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,085
−HK$278/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,933
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,726/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$9,802
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$266/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,876
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,662/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$10,279
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,599
−HK$325/mo
Today · 4.125%
HK$10,924
baseline
▲ 0.50% · 4.625%
HK$11,588
+HK$664/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,848/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$11,435
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,742
−HK$311/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,689
+HK$636/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,106/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$13,216
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$418/mo
Today · 4.125%
HK$14,045
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,090/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$14,703
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,097
−HK$400/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,314
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,994/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).