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$7,352
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,581
−HK$232/mo
Today · 4.125%
HK$7,813
baseline
▲ 0.50% · 4.625%
HK$8,289
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,626/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$8,179
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,399
−HK$222/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,242/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$8,823
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,097
−HK$279/mo
Today · 4.125%
HK$9,376
baseline
▲ 0.50% · 4.625%
HK$9,947
+HK$571/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,752/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$9,815
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,079
−HK$267/mo
Today · 4.125%
HK$10,346
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,692/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$10,293
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,613
−HK$326/mo
Today · 4.125%
HK$10,939
baseline
▲ 0.50% · 4.625%
HK$11,604
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,878/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,451
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,758
−HK$312/mo
Today · 4.125%
HK$12,070
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,140/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,234
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,646
−HK$418/mo
Today · 4.125%
HK$14,064
baseline
▲ 0.50% · 4.625%
HK$14,920
+HK$856/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,128/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$14,723
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,118
−HK$400/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,036/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).