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$7,338
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,566
−HK$232/mo
Today · 4.125%
HK$7,798
baseline
▲ 0.50% · 4.625%
HK$8,272
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,596/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$8,163
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,382
−HK$222/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,058
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,208/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$8,805
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,079
−HK$278/mo
Today · 4.125%
HK$9,357
baseline
▲ 0.50% · 4.625%
HK$9,927
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,714/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$9,796
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$267/mo
Today · 4.125%
HK$10,325
baseline
▲ 0.50% · 4.625%
HK$10,869
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,650/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$10,273
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,592
−HK$325/mo
Today · 4.125%
HK$10,917
baseline
▲ 0.50% · 4.625%
HK$11,581
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,834/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,428
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$311/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,681
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,092/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,208
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$417/mo
Today · 4.125%
HK$14,036
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,072/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$14,693
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$399/mo
Today · 4.125%
HK$15,487
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,974/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).