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$7,339
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$232/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,273
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,598/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$8,164
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$222/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,210/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$8,806
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,080
−HK$279/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,718/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$9,797
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$266/mo
Today · 4.125%
HK$10,326
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,652/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$10,274
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$324/mo
Today · 4.125%
HK$10,918
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$665/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,836/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$11,430
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$311/mo
Today · 4.125%
HK$12,047
baseline
▲ 0.50% · 4.625%
HK$12,682
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,094/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$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$418/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,076/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$14,695
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$399/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,978/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).