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$7,328
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,556
−HK$231/mo
Today · 4.125%
HK$7,787
baseline
▲ 0.50% · 4.625%
HK$8,261
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,574/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$8,152
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,371
−HK$222/mo
Today · 4.125%
HK$8,593
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$452/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,186/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$8,793
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,067
−HK$278/mo
Today · 4.125%
HK$9,345
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$568/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,690/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$9,783
−HK$528/mo
▼ 0.25% · 3.875%
HK$10,045
−HK$266/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,855
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,622/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$10,259
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,578
−HK$324/mo
Today · 4.125%
HK$10,902
baseline
▲ 0.50% · 4.625%
HK$11,566
+HK$664/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$21,804/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$11,413
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$311/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,664
+HK$634/mo
Deposit HK$964K · loan HK$2.25M · min. income ≈ HK$24,060/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$13,190
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$417/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,870
+HK$853/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$400/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,282
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$321K (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).