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$7,359
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,588
−HK$233/mo
Today · 4.125%
HK$7,821
baseline
▲ 0.50% · 4.625%
HK$8,297
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,642/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$8,187
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$223/mo
Today · 4.125%
HK$8,630
baseline
▲ 0.50% · 4.625%
HK$9,085
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,260/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$8,831
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,106
−HK$279/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,956
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,770/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$9,825
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$268/mo
Today · 4.125%
HK$10,356
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,712/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$10,303
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,624
−HK$325/mo
Today · 4.125%
HK$10,949
baseline
▲ 0.50% · 4.625%
HK$11,616
+HK$667/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,898/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$11,462
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$312/mo
Today · 4.125%
HK$12,082
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$636/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,164/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$13,247
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$419/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,156/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$14,737
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$401/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$819/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,066/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).