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$7,324
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,552
−HK$231/mo
Today · 4.125%
HK$7,783
baseline
▲ 0.50% · 4.625%
HK$8,257
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,566/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$8,148
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$221/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,041
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,176/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$8,789
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,062
−HK$278/mo
Today · 4.125%
HK$9,340
baseline
▲ 0.50% · 4.625%
HK$9,908
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,680/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$9,778
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,040
−HK$266/mo
Today · 4.125%
HK$10,306
baseline
▲ 0.50% · 4.625%
HK$10,849
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,612/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$10,254
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,573
−HK$324/mo
Today · 4.125%
HK$10,897
baseline
▲ 0.50% · 4.625%
HK$11,560
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,794/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$11,407
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,713
−HK$311/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,657
+HK$633/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,048/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$13,184
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$416/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,020/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$14,667
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$399/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,918/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).