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$7,363
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,592
−HK$233/mo
Today · 4.125%
HK$7,825
baseline
▲ 0.50% · 4.625%
HK$8,301
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,650/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$8,192
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$223/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,268/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$8,836
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,111
−HK$279/mo
Today · 4.125%
HK$9,390
baseline
▲ 0.50% · 4.625%
HK$9,961
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,780/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$9,830
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,093
−HK$268/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,722/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$10,309
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,629
−HK$326/mo
Today · 4.125%
HK$10,955
baseline
▲ 0.50% · 4.625%
HK$11,622
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,910/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,468
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$312/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,725
+HK$637/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,176/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,666
−HK$419/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,170/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$14,745
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,140
−HK$401/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,082/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).