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$7,363
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$233/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$476/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$8,191
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$223/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,268/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$8,835
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,110
−HK$279/mo
Today · 4.125%
HK$9,389
baseline
▲ 0.50% · 4.625%
HK$9,961
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,778/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$9,829
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,093
−HK$267/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,720/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$10,308
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$325/mo
Today · 4.125%
HK$10,954
baseline
▲ 0.50% · 4.625%
HK$11,621
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,908/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$11,467
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$312/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$637/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,174/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$13,253
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,665
−HK$419/mo
Today · 4.125%
HK$14,084
baseline
▲ 0.50% · 4.625%
HK$14,941
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,168/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$14,744
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$401/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,360
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,080/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).