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$7,334
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,562
−HK$231/mo
Today · 4.125%
HK$7,793
baseline
▲ 0.50% · 4.625%
HK$8,268
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,586/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$8,158
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$222/mo
Today · 4.125%
HK$8,599
baseline
▲ 0.50% · 4.625%
HK$9,053
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,198/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$8,800
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,074
−HK$278/mo
Today · 4.125%
HK$9,352
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,704/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$9,790
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$266/mo
Today · 4.125%
HK$10,319
baseline
▲ 0.50% · 4.625%
HK$10,863
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,638/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$10,267
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,586
−HK$325/mo
Today · 4.125%
HK$10,911
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,822/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$11,422
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$311/mo
Today · 4.125%
HK$12,039
baseline
▲ 0.50% · 4.625%
HK$12,674
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,078/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$13,200
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,611
−HK$417/mo
Today · 4.125%
HK$14,028
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$854/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$28,056/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$14,685
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$400/mo
Today · 4.125%
HK$15,479
baseline
▲ 0.50% · 4.625%
HK$16,295
+HK$816/mo
Deposit HK$322K · loan HK$2.89M · min. income ≈ HK$30,958/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).