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$7,351
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,579
−HK$232/mo
Today · 4.125%
HK$7,811
baseline
▲ 0.50% · 4.625%
HK$8,287
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,622/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$8,177
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$222/mo
Today · 4.125%
HK$8,619
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,238/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$8,821
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,095
−HK$279/mo
Today · 4.125%
HK$9,374
baseline
▲ 0.50% · 4.625%
HK$9,944
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,748/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$9,813
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$267/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,888
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,686/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$10,291
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,611
−HK$325/mo
Today · 4.125%
HK$10,936
baseline
▲ 0.50% · 4.625%
HK$11,601
+HK$665/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$21,872/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,448
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,755
−HK$312/mo
Today · 4.125%
HK$12,067
baseline
▲ 0.50% · 4.625%
HK$12,703
+HK$636/mo
Deposit HK$967K · loan HK$2.26M · min. income ≈ HK$24,134/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,231
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,642
−HK$419/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,122/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$14,719
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$401/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,030/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).