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$7,337
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,565
−HK$232/mo
Today · 4.125%
HK$7,797
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,594/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$8,162
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,381
−HK$222/mo
Today · 4.125%
HK$8,603
baseline
▲ 0.50% · 4.625%
HK$9,057
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,206/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$8,804
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,078
−HK$278/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,926
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,712/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$9,795
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,057
−HK$267/mo
Today · 4.125%
HK$10,324
baseline
▲ 0.50% · 4.625%
HK$10,868
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,648/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$10,272
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,591
−HK$325/mo
Today · 4.125%
HK$10,916
baseline
▲ 0.50% · 4.625%
HK$11,580
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,832/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$11,427
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$311/mo
Today · 4.125%
HK$12,045
baseline
▲ 0.50% · 4.625%
HK$12,679
+HK$634/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,090/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$13,206
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$418/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,889
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,070/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$14,692
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$400/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,302
+HK$816/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,972/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).