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$7,355
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,584
−HK$232/mo
Today · 4.125%
HK$7,816
baseline
▲ 0.50% · 4.625%
HK$8,292
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,632/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$8,182
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,402
−HK$222/mo
Today · 4.125%
HK$8,624
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,248/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$8,826
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,100
−HK$279/mo
Today · 4.125%
HK$9,379
baseline
▲ 0.50% · 4.625%
HK$9,950
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,758/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$9,819
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,082
−HK$267/mo
Today · 4.125%
HK$10,349
baseline
▲ 0.50% · 4.625%
HK$10,894
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,698/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$10,297
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,617
−HK$325/mo
Today · 4.125%
HK$10,942
baseline
▲ 0.50% · 4.625%
HK$11,608
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,884/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$11,455
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$312/mo
Today · 4.125%
HK$12,074
baseline
▲ 0.50% · 4.625%
HK$12,710
+HK$636/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,148/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$13,239
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,650
−HK$419/mo
Today · 4.125%
HK$14,069
baseline
▲ 0.50% · 4.625%
HK$14,925
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,138/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$14,728
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$400/mo
Today · 4.125%
HK$15,523
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$819/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,046/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).