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$7,329
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$232/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,578/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$8,154
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$222/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,188/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$8,795
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$278/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$568/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,694/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$9,785
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,047
−HK$266/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,626/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$10,261
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,580
−HK$324/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,568
+HK$664/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,808/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$11,415
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$311/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,666
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,064/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$13,193
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,603
−HK$417/mo
Today · 4.125%
HK$14,020
baseline
▲ 0.50% · 4.625%
HK$14,873
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,040/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$14,677
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,070
−HK$400/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,285
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,940/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).