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$7,342
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,570
−HK$232/mo
Today · 4.125%
HK$7,802
baseline
▲ 0.50% · 4.625%
HK$8,277
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,604/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$8,168
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$222/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,063
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,218/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$8,810
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,084
−HK$279/mo
Today · 4.125%
HK$9,363
baseline
▲ 0.50% · 4.625%
HK$9,932
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,726/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$9,801
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$267/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,875
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,662/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$10,278
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,598
−HK$325/mo
Today · 4.125%
HK$10,923
baseline
▲ 0.50% · 4.625%
HK$11,588
+HK$665/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,846/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,435
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$311/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,688
+HK$636/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,104/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,215
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$418/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,898
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$400/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,992/mo (50% DSR)
Upfront cash ≈ HK$322K (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).