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$7,330
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$232/mo
Today · 4.125%
HK$7,790
baseline
▲ 0.50% · 4.625%
HK$8,264
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,580/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$8,155
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,374
−HK$221/mo
Today · 4.125%
HK$8,595
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,190/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$8,796
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,070
−HK$278/mo
Today · 4.125%
HK$9,348
baseline
▲ 0.50% · 4.625%
HK$9,917
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,696/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$9,786
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$266/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,858
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,628/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$10,262
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,582
−HK$324/mo
Today · 4.125%
HK$10,906
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,812/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$11,417
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,723
−HK$311/mo
Today · 4.125%
HK$12,034
baseline
▲ 0.50% · 4.625%
HK$12,668
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,068/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$13,194
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$417/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,875
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,044/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$14,679
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,072
−HK$400/mo
Today · 4.125%
HK$15,472
baseline
▲ 0.50% · 4.625%
HK$16,287
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,944/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).