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$7,329
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,557
−HK$231/mo
Today · 4.125%
HK$7,788
baseline
▲ 0.50% · 4.625%
HK$8,262
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,576/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$8,153
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,372
−HK$222/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,047
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,188/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$8,795
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,068
−HK$278/mo
Today · 4.125%
HK$9,346
baseline
▲ 0.50% · 4.625%
HK$9,915
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,692/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$9,784
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,046
−HK$266/mo
Today · 4.125%
HK$10,312
baseline
▲ 0.50% · 4.625%
HK$10,856
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,624/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$10,260
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,579
−HK$325/mo
Today · 4.125%
HK$10,904
baseline
▲ 0.50% · 4.625%
HK$11,567
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,808/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$11,414
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,721
−HK$310/mo
Today · 4.125%
HK$12,031
baseline
▲ 0.50% · 4.625%
HK$12,665
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,062/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$13,192
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,602
−HK$417/mo
Today · 4.125%
HK$14,019
baseline
▲ 0.50% · 4.625%
HK$14,872
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,038/mo (50% DSR)
Upfront cash ≈ HK$322K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,676
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,069
−HK$400/mo
Today · 4.125%
HK$15,469
baseline
▲ 0.50% · 4.625%
HK$16,284
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,938/mo (50% DSR)
Upfront cash ≈ HK$322K (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).