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$7,325
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,553
−HK$232/mo
Today · 4.125%
HK$7,785
baseline
▲ 0.50% · 4.625%
HK$8,258
+HK$473/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,570/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$8,149
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$221/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,042
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,178/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$8,790
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,064
−HK$277/mo
Today · 4.125%
HK$9,341
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$569/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,682/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$9,779
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,041
−HK$266/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,851
+HK$544/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,614/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$10,255
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,574
−HK$324/mo
Today · 4.125%
HK$10,898
baseline
▲ 0.50% · 4.625%
HK$11,561
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,796/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,409
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$310/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,659
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,050/mo (50% DSR)
Upfront cash ≈ HK$964K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,185
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$417/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,024/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,062
−HK$399/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,922/mo (50% DSR)
Upfront cash ≈ HK$321K (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).