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$7,356
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,585
−HK$232/mo
Today · 4.125%
HK$7,817
baseline
▲ 0.50% · 4.625%
HK$8,293
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,634/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$8,183
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$223/mo
Today · 4.125%
HK$8,626
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,252/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$8,827
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,102
−HK$279/mo
Today · 4.125%
HK$9,381
baseline
▲ 0.50% · 4.625%
HK$9,951
+HK$570/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,762/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$9,820
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,083
−HK$268/mo
Today · 4.125%
HK$10,351
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,702/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$10,298
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,619
−HK$325/mo
Today · 4.125%
HK$10,944
baseline
▲ 0.50% · 4.625%
HK$11,610
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,888/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,457
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$312/mo
Today · 4.125%
HK$12,076
baseline
▲ 0.50% · 4.625%
HK$12,712
+HK$636/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,152/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,241
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$418/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,142/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$14,730
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$401/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$818/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,052/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).