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$7,357
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$232/mo
Today · 4.125%
HK$7,818
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,636/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$8,184
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$222/mo
Today · 4.125%
HK$8,626
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,252/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$8,828
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$279/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$570/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,764/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$9,821
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$268/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,897
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,704/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$10,299
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,620
−HK$325/mo
Today · 4.125%
HK$10,945
baseline
▲ 0.50% · 4.625%
HK$11,611
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,890/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,458
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$312/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,714
+HK$637/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,154/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,242
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$418/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$857/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,144/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,732
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$401/mo
Today · 4.125%
HK$15,528
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$818/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,056/mo (50% DSR)
Upfront cash ≈ HK$323K (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).