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$7,324
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,551
−HK$232/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,256
+HK$473/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,566/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$441/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$222/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,040
+HK$452/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,176/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$8,788
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$277/mo
Today · 4.125%
HK$9,339
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$569/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,678/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$9,777
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$266/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,610/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$10,253
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,572
−HK$324/mo
Today · 4.125%
HK$10,896
baseline
▲ 0.50% · 4.625%
HK$11,559
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,792/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$11,406
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$311/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,656
+HK$633/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,046/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$13,183
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,593
−HK$416/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,862
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,018/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$14,665
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,059
−HK$399/mo
Today · 4.125%
HK$15,458
baseline
▲ 0.50% · 4.625%
HK$16,273
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,916/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).