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$7,354
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,583
−HK$232/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,291
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,630/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$8,181
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,401
−HK$222/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,246/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$8,825
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$279/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,756/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$9,817
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,081
−HK$267/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,696/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$10,295
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,616
−HK$325/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,607
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,882/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,454
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,761
−HK$311/mo
Today · 4.125%
HK$12,072
baseline
▲ 0.50% · 4.625%
HK$12,709
+HK$637/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,144/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,237
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,649
−HK$418/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,923
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,134/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$14,726
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,121
−HK$401/mo
Today · 4.125%
HK$15,522
baseline
▲ 0.50% · 4.625%
HK$16,340
+HK$818/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,044/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).