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$7,326
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,554
−HK$232/mo
Today · 4.125%
HK$7,786
baseline
▲ 0.50% · 4.625%
HK$8,260
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,572/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$8,150
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,369
−HK$222/mo
Today · 4.125%
HK$8,591
baseline
▲ 0.50% · 4.625%
HK$9,044
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,182/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$8,792
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,065
−HK$278/mo
Today · 4.125%
HK$9,343
baseline
▲ 0.50% · 4.625%
HK$9,911
+HK$568/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,686/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$9,781
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$266/mo
Today · 4.125%
HK$10,309
baseline
▲ 0.50% · 4.625%
HK$10,852
+HK$543/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,618/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$10,257
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,576
−HK$324/mo
Today · 4.125%
HK$10,900
baseline
▲ 0.50% · 4.625%
HK$11,563
+HK$663/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,800/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$11,411
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,717
−HK$310/mo
Today · 4.125%
HK$12,027
baseline
▲ 0.50% · 4.625%
HK$12,661
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,054/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$13,187
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$416/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,028/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$14,671
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$399/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$816/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,926/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).