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$7,348
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,576
−HK$232/mo
Today · 4.125%
HK$7,808
baseline
▲ 0.50% · 4.625%
HK$8,283
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,616/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$8,174
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,393
−HK$223/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,070
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,232/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$8,817
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,091
−HK$279/mo
Today · 4.125%
HK$9,370
baseline
▲ 0.50% · 4.625%
HK$9,940
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,740/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$9,809
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,072
−HK$267/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,884
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,678/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$10,287
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,607
−HK$325/mo
Today · 4.125%
HK$10,932
baseline
▲ 0.50% · 4.625%
HK$11,597
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,864/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$11,444
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$311/mo
Today · 4.125%
HK$12,062
baseline
▲ 0.50% · 4.625%
HK$12,698
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,124/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$13,226
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,637
−HK$418/mo
Today · 4.125%
HK$14,055
baseline
▲ 0.50% · 4.625%
HK$14,910
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,110/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$14,713
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,108
−HK$400/mo
Today · 4.125%
HK$15,508
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,016/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).