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$7,582
−HK$233/mo
Today · 4.125%
HK$7,815
baseline
▲ 0.50% · 4.625%
HK$8,290
+HK$475/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$8,400
−HK$223/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$454/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$8,824
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,099
−HK$279/mo
Today · 4.125%
HK$9,378
baseline
▲ 0.50% · 4.625%
HK$9,948
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · 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$530/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$267/mo
Today · 4.125%
HK$10,347
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$546/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,694/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$10,615
−HK$326/mo
Today · 4.125%
HK$10,941
baseline
▲ 0.50% · 4.625%
HK$11,606
+HK$665/mo
Deposit HK$967K · 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$11,453
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$312/mo
Today · 4.125%
HK$12,072
baseline
▲ 0.50% · 4.625%
HK$12,708
+HK$636/mo
Deposit HK$967K · 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$13,236
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$419/mo
Today · 4.125%
HK$14,067
baseline
▲ 0.50% · 4.625%
HK$14,922
+HK$855/mo
Deposit HK$322K · 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$14,725
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$401/mo
Today · 4.125%
HK$15,521
baseline
▲ 0.50% · 4.625%
HK$16,339
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,042/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).