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$7,360
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,589
−HK$233/mo
Today · 4.125%
HK$7,822
baseline
▲ 0.50% · 4.625%
HK$8,298
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,644/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$8,188
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,408
−HK$223/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,086
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,262/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$8,832
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,107
−HK$279/mo
Today · 4.125%
HK$9,386
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,772/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$9,826
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,089
−HK$268/mo
Today · 4.125%
HK$10,357
baseline
▲ 0.50% · 4.625%
HK$10,903
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,714/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$10,304
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,625
−HK$326/mo
Today · 4.125%
HK$10,951
baseline
▲ 0.50% · 4.625%
HK$11,617
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,902/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$11,464
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$312/mo
Today · 4.125%
HK$12,083
baseline
▲ 0.50% · 4.625%
HK$12,720
+HK$637/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,166/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$13,249
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,661
−HK$418/mo
Today · 4.125%
HK$14,079
baseline
▲ 0.50% · 4.625%
HK$14,936
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,158/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$14,739
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$401/mo
Today · 4.125%
HK$15,535
baseline
▲ 0.50% · 4.625%
HK$16,354
+HK$819/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,070/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).