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$7,350
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,578
−HK$232/mo
Today · 4.125%
HK$7,810
baseline
▲ 0.50% · 4.625%
HK$8,286
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,620/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$8,176
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,396
−HK$222/mo
Today · 4.125%
HK$8,618
baseline
▲ 0.50% · 4.625%
HK$9,072
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,236/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$8,819
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,094
−HK$278/mo
Today · 4.125%
HK$9,372
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$571/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,744/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$9,812
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,075
−HK$267/mo
Today · 4.125%
HK$10,342
baseline
▲ 0.50% · 4.625%
HK$10,887
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,684/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$10,289
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,609
−HK$326/mo
Today · 4.125%
HK$10,935
baseline
▲ 0.50% · 4.625%
HK$11,600
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,870/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,447
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,754
−HK$311/mo
Today · 4.125%
HK$12,065
baseline
▲ 0.50% · 4.625%
HK$12,701
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,130/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,229
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$418/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,118/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$14,717
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$400/mo
Today · 4.125%
HK$15,512
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$818/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,024/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).