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$8,270
+HK$474/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$9,055
+HK$453/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$552/mo
▼ 0.25% · 3.875%
HK$9,077
−HK$278/mo
Today · 4.125%
HK$9,355
baseline
▲ 0.50% · 4.625%
HK$9,924
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,710/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$9,793
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,056
−HK$266/mo
Today · 4.125%
HK$10,322
baseline
▲ 0.50% · 4.625%
HK$10,866
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,644/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$10,270
−HK$644/mo
▼ 0.25% · 3.875%
HK$10,589
−HK$325/mo
Today · 4.125%
HK$10,914
baseline
▲ 0.50% · 4.625%
HK$11,578
+HK$664/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$21,828/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$11,425
−HK$617/mo
▼ 0.25% · 3.875%
HK$11,732
−HK$310/mo
Today · 4.125%
HK$12,042
baseline
▲ 0.50% · 4.625%
HK$12,677
+HK$635/mo
Deposit HK$965K · loan HK$2.25M · min. income ≈ HK$24,084/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$13,204
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$417/mo
Today · 4.125%
HK$14,032
baseline
▲ 0.50% · 4.625%
HK$14,886
+HK$854/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,064/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$14,689
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,083
−HK$400/mo
Today · 4.125%
HK$15,483
baseline
▲ 0.50% · 4.625%
HK$16,299
+HK$816/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,966/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).