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$7,361
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,590
−HK$233/mo
Today · 4.125%
HK$7,823
baseline
▲ 0.50% · 4.625%
HK$8,299
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,646/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$8,189
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$223/mo
Today · 4.125%
HK$8,632
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,264/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$8,833
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,108
−HK$279/mo
Today · 4.125%
HK$9,387
baseline
▲ 0.50% · 4.625%
HK$9,958
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,774/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$9,827
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$267/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,716/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$10,306
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,626
−HK$326/mo
Today · 4.125%
HK$10,952
baseline
▲ 0.50% · 4.625%
HK$11,618
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,904/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$11,465
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$312/mo
Today · 4.125%
HK$12,084
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$637/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,168/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$13,250
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,662
−HK$419/mo
Today · 4.125%
HK$14,081
baseline
▲ 0.50% · 4.625%
HK$14,938
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,162/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$14,740
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$401/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$819/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,074/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).