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$7,365
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,594
−HK$233/mo
Today · 4.125%
HK$7,827
baseline
▲ 0.50% · 4.625%
HK$8,303
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,654/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,193
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,413
−HK$223/mo
Today · 4.125%
HK$8,636
baseline
▲ 0.50% · 4.625%
HK$9,091
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,272/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,838
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,113
−HK$279/mo
Today · 4.125%
HK$9,392
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,784/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$9,832
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,096
−HK$267/mo
Today · 4.125%
HK$10,363
baseline
▲ 0.50% · 4.625%
HK$10,909
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,726/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$10,311
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,631
−HK$326/mo
Today · 4.125%
HK$10,957
baseline
▲ 0.50% · 4.625%
HK$11,624
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,914/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,471
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$312/mo
Today · 4.125%
HK$12,090
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,180/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,257
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,669
−HK$419/mo
Today · 4.125%
HK$14,088
baseline
▲ 0.50% · 4.625%
HK$14,945
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,176/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$14,748
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$402/mo
Today · 4.125%
HK$15,545
baseline
▲ 0.50% · 4.625%
HK$16,364
+HK$819/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,090/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).