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$7,320
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,548
−HK$231/mo
Today · 4.125%
HK$7,779
baseline
▲ 0.50% · 4.625%
HK$8,252
+HK$473/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,558/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$8,143
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,362
−HK$221/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,036
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,166/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$8,784
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,057
−HK$278/mo
Today · 4.125%
HK$9,335
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,670/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,772
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,034
−HK$266/mo
Today · 4.125%
HK$10,300
baseline
▲ 0.50% · 4.625%
HK$10,843
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,600/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,248
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,567
−HK$324/mo
Today · 4.125%
HK$10,891
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$662/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,782/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,401
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$310/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,650
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,034/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,176
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$416/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,658
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,051
−HK$399/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$321K (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).