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$7,333
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,561
−HK$232/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,267
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,586/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$8,158
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$222/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,052
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,198/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$8,800
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,073
−HK$278/mo
Today · 4.125%
HK$9,351
baseline
▲ 0.50% · 4.625%
HK$9,920
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,702/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$9,789
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$266/mo
Today · 4.125%
HK$10,318
baseline
▲ 0.50% · 4.625%
HK$10,862
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,636/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$10,266
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$324/mo
Today · 4.125%
HK$10,910
baseline
▲ 0.50% · 4.625%
HK$11,574
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,820/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,421
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$311/mo
Today · 4.125%
HK$12,038
baseline
▲ 0.50% · 4.625%
HK$12,673
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,076/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,199
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$417/mo
Today · 4.125%
HK$14,027
baseline
▲ 0.50% · 4.625%
HK$14,881
+HK$854/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$28,054/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$14,684
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$400/mo
Today · 4.125%
HK$15,478
baseline
▲ 0.50% · 4.625%
HK$16,293
+HK$815/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$30,956/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).