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$7,340
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,568
−HK$232/mo
Today · 4.125%
HK$7,800
baseline
▲ 0.50% · 4.625%
HK$8,275
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,600/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$8,166
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,385
−HK$222/mo
Today · 4.125%
HK$8,607
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,214/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$8,808
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,082
−HK$278/mo
Today · 4.125%
HK$9,360
baseline
▲ 0.50% · 4.625%
HK$9,930
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,720/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$9,799
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,062
−HK$266/mo
Today · 4.125%
HK$10,328
baseline
▲ 0.50% · 4.625%
HK$10,873
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,656/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$10,276
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,596
−HK$325/mo
Today · 4.125%
HK$10,921
baseline
▲ 0.50% · 4.625%
HK$11,585
+HK$664/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,842/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$11,432
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$311/mo
Today · 4.125%
HK$12,050
baseline
▲ 0.50% · 4.625%
HK$12,685
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,100/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$13,212
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,623
−HK$418/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,895
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,082/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$14,698
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$399/mo
Today · 4.125%
HK$15,492
baseline
▲ 0.50% · 4.625%
HK$16,309
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,984/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).