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$7,332
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,560
−HK$232/mo
Today · 4.125%
HK$7,792
baseline
▲ 0.50% · 4.625%
HK$8,266
+HK$474/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,584/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$8,157
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$221/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,051
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,194/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$8,798
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,072
−HK$278/mo
Today · 4.125%
HK$9,350
baseline
▲ 0.50% · 4.625%
HK$9,919
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,700/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$9,788
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$266/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,861
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,634/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$10,265
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,584
−HK$325/mo
Today · 4.125%
HK$10,909
baseline
▲ 0.50% · 4.625%
HK$11,572
+HK$663/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,818/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,420
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$310/mo
Today · 4.125%
HK$12,036
baseline
▲ 0.50% · 4.625%
HK$12,671
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,072/mo (50% DSR)
Upfront cash ≈ HK$965K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$417/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$854/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$28,050/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$14,682
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$399/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$816/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$30,950/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).