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$7,364
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,593
−HK$232/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,302
+HK$477/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,650/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$8,192
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,412
−HK$223/mo
Today · 4.125%
HK$8,635
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,270/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$8,836
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$280/mo
Today · 4.125%
HK$9,391
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,782/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$9,830
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,094
−HK$268/mo
Today · 4.125%
HK$10,362
baseline
▲ 0.50% · 4.625%
HK$10,908
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,724/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$10,309
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,630
−HK$326/mo
Today · 4.125%
HK$10,956
baseline
▲ 0.50% · 4.625%
HK$11,622
+HK$666/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,912/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,469
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$312/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,726
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,176/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,255
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$419/mo
Today · 4.125%
HK$14,086
baseline
▲ 0.50% · 4.625%
HK$14,943
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,172/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,746
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$401/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,362
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$323K (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).