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$7,321
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,549
−HK$231/mo
Today · 4.125%
HK$7,780
baseline
▲ 0.50% · 4.625%
HK$8,254
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,560/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$8,145
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,363
−HK$222/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,038
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,170/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$8,786
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,059
−HK$278/mo
Today · 4.125%
HK$9,337
baseline
▲ 0.50% · 4.625%
HK$9,905
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,674/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$9,774
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$266/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,845
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,604/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$10,250
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,569
−HK$324/mo
Today · 4.125%
HK$10,893
baseline
▲ 0.50% · 4.625%
HK$11,555
+HK$662/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,786/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$11,403
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,709
−HK$310/mo
Today · 4.125%
HK$12,019
baseline
▲ 0.50% · 4.625%
HK$12,653
+HK$634/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,038/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$13,178
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$417/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,010/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$14,661
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$399/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,268
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,906/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).