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$7,336
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,564
−HK$232/mo
Today · 4.125%
HK$7,796
baseline
▲ 0.50% · 4.625%
HK$8,271
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,592/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$8,161
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,380
−HK$222/mo
Today · 4.125%
HK$8,602
baseline
▲ 0.50% · 4.625%
HK$9,056
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,204/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$8,803
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$279/mo
Today · 4.125%
HK$9,356
baseline
▲ 0.50% · 4.625%
HK$9,925
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,712/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$9,794
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$267/mo
Today · 4.125%
HK$10,323
baseline
▲ 0.50% · 4.625%
HK$10,867
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,646/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$10,271
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,590
−HK$325/mo
Today · 4.125%
HK$10,915
baseline
▲ 0.50% · 4.625%
HK$11,579
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,830/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$11,426
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$310/mo
Today · 4.125%
HK$12,043
baseline
▲ 0.50% · 4.625%
HK$12,678
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,086/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$13,205
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,616
−HK$417/mo
Today · 4.125%
HK$14,033
baseline
▲ 0.50% · 4.625%
HK$14,887
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,066/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$14,691
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,085
−HK$399/mo
Today · 4.125%
HK$15,484
baseline
▲ 0.50% · 4.625%
HK$16,301
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,968/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).