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$7,330
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,558
−HK$231/mo
Today · 4.125%
HK$7,789
baseline
▲ 0.50% · 4.625%
HK$8,263
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,578/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$8,154
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,373
−HK$222/mo
Today · 4.125%
HK$8,595
baseline
▲ 0.50% · 4.625%
HK$9,048
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,190/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$8,796
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,069
−HK$278/mo
Today · 4.125%
HK$9,347
baseline
▲ 0.50% · 4.625%
HK$9,916
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,694/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$9,785
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,048
−HK$266/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,857
+HK$543/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,628/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$10,262
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,581
−HK$324/mo
Today · 4.125%
HK$10,905
baseline
▲ 0.50% · 4.625%
HK$11,569
+HK$664/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,810/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$11,416
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,722
−HK$311/mo
Today · 4.125%
HK$12,033
baseline
▲ 0.50% · 4.625%
HK$12,667
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,066/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$13,193
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,604
−HK$417/mo
Today · 4.125%
HK$14,021
baseline
▲ 0.50% · 4.625%
HK$14,874
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,042/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$14,678
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,071
−HK$400/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,286
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,942/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).