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$7,341
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,569
−HK$232/mo
Today · 4.125%
HK$7,801
baseline
▲ 0.50% · 4.625%
HK$8,276
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,602/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$8,167
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$222/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,062
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,216/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$8,809
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,083
−HK$278/mo
Today · 4.125%
HK$9,361
baseline
▲ 0.50% · 4.625%
HK$9,931
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,722/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$9,800
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$266/mo
Today · 4.125%
HK$10,329
baseline
▲ 0.50% · 4.625%
HK$10,874
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,658/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$10,277
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,597
−HK$325/mo
Today · 4.125%
HK$10,922
baseline
▲ 0.50% · 4.625%
HK$11,586
+HK$664/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,844/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$11,433
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$311/mo
Today · 4.125%
HK$12,051
baseline
▲ 0.50% · 4.625%
HK$12,686
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,102/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$13,213
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$418/mo
Today · 4.125%
HK$14,042
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,084/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$14,700
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,094
−HK$400/mo
Today · 4.125%
HK$15,494
baseline
▲ 0.50% · 4.625%
HK$16,311
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,988/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).