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$7,323
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$231/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,564/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$8,147
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$222/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$452/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,174/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$8,787
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,061
−HK$277/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,907
+HK$569/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,676/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$9,776
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$266/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,608/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$10,252
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,571
−HK$324/mo
Today · 4.125%
HK$10,895
baseline
▲ 0.50% · 4.625%
HK$11,558
+HK$663/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,790/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$11,405
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,711
−HK$310/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,655
+HK$634/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,042/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$13,181
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$417/mo
Today · 4.125%
HK$14,008
baseline
▲ 0.50% · 4.625%
HK$14,860
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,016/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$14,664
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,057
−HK$399/mo
Today · 4.125%
HK$15,456
baseline
▲ 0.50% · 4.625%
HK$16,271
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,912/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).