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$7,343
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,571
−HK$232/mo
Today · 4.125%
HK$7,803
baseline
▲ 0.50% · 4.625%
HK$8,278
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,606/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$8,169
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$222/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,064
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,220/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$8,811
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,086
−HK$278/mo
Today · 4.125%
HK$9,364
baseline
▲ 0.50% · 4.625%
HK$9,934
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,728/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$9,803
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$266/mo
Today · 4.125%
HK$10,332
baseline
▲ 0.50% · 4.625%
HK$10,877
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,664/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$10,280
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,600
−HK$325/mo
Today · 4.125%
HK$10,925
baseline
▲ 0.50% · 4.625%
HK$11,589
+HK$664/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,850/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,436
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$311/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,690
+HK$636/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,108/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,217
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$418/mo
Today · 4.125%
HK$14,046
baseline
▲ 0.50% · 4.625%
HK$14,901
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,092/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$14,704
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$400/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,315
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,996/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).