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$7,332
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,560
−HK$231/mo
Today · 4.125%
HK$7,791
baseline
▲ 0.50% · 4.625%
HK$8,265
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,582/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$8,156
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,375
−HK$222/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,050
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,194/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$8,798
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$278/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,919
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,700/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$9,788
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$266/mo
Today · 4.125%
HK$10,316
baseline
▲ 0.50% · 4.625%
HK$10,860
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,632/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$10,264
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$324/mo
Today · 4.125%
HK$10,908
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,816/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$11,419
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$311/mo
Today · 4.125%
HK$12,036
baseline
▲ 0.50% · 4.625%
HK$12,670
+HK$634/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,072/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$13,197
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,607
−HK$417/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,878
+HK$854/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$28,048/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$14,681
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$400/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$815/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$30,950/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).