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$7,344
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,572
−HK$232/mo
Today · 4.125%
HK$7,804
baseline
▲ 0.50% · 4.625%
HK$8,279
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,608/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$8,170
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,389
−HK$222/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,065
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,222/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$8,813
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,087
−HK$278/mo
Today · 4.125%
HK$9,365
baseline
▲ 0.50% · 4.625%
HK$9,935
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,730/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$9,804
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$267/mo
Today · 4.125%
HK$10,334
baseline
▲ 0.50% · 4.625%
HK$10,878
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,668/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$10,281
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,601
−HK$325/mo
Today · 4.125%
HK$10,926
baseline
▲ 0.50% · 4.625%
HK$11,591
+HK$665/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,852/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$11,438
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,745
−HK$311/mo
Today · 4.125%
HK$12,056
baseline
▲ 0.50% · 4.625%
HK$12,691
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,112/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$13,219
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,630
−HK$418/mo
Today · 4.125%
HK$14,048
baseline
▲ 0.50% · 4.625%
HK$14,903
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,096/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$14,706
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$401/mo
Today · 4.125%
HK$15,501
baseline
▲ 0.50% · 4.625%
HK$16,318
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,002/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).