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$7,351
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,580
−HK$232/mo
Today · 4.125%
HK$7,812
baseline
▲ 0.50% · 4.625%
HK$8,288
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,624/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$8,178
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,398
−HK$222/mo
Today · 4.125%
HK$8,620
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,240/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$8,822
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,096
−HK$279/mo
Today · 4.125%
HK$9,375
baseline
▲ 0.50% · 4.625%
HK$9,945
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,750/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$9,814
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,077
−HK$267/mo
Today · 4.125%
HK$10,344
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,688/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$10,292
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,612
−HK$325/mo
Today · 4.125%
HK$10,937
baseline
▲ 0.50% · 4.625%
HK$11,603
+HK$666/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,874/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,450
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,757
−HK$311/mo
Today · 4.125%
HK$12,068
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,136/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,232
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$418/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$856/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,124/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$14,721
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$400/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,032/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).