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$462/mo
▼ 0.25% · 3.875%
HK$7,586
−HK$233/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,294
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,638/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$8,185
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,404
−HK$223/mo
Today · 4.125%
HK$8,627
baseline
▲ 0.50% · 4.625%
HK$9,082
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,254/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$8,829
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,103
−HK$279/mo
Today · 4.125%
HK$9,382
baseline
▲ 0.50% · 4.625%
HK$9,953
+HK$571/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$9,822
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,085
−HK$268/mo
Today · 4.125%
HK$10,353
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,706/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$10,300
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,621
−HK$325/mo
Today · 4.125%
HK$10,946
baseline
▲ 0.50% · 4.625%
HK$11,612
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,892/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$11,459
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$312/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,715
+HK$637/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,156/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$13,243
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$419/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,930
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,148/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$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$401/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$818/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,058/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).