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$7,339
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,567
−HK$232/mo
Today · 4.125%
HK$7,799
baseline
▲ 0.50% · 4.625%
HK$8,274
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,598/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$8,164
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$223/mo
Today · 4.125%
HK$8,606
baseline
▲ 0.50% · 4.625%
HK$9,059
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,212/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$8,807
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,081
−HK$278/mo
Today · 4.125%
HK$9,359
baseline
▲ 0.50% · 4.625%
HK$9,928
+HK$569/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,718/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$9,797
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$267/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,871
+HK$544/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,654/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$10,274
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,594
−HK$325/mo
Today · 4.125%
HK$10,919
baseline
▲ 0.50% · 4.625%
HK$11,583
+HK$664/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,838/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,430
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$311/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,683
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,096/mo (50% DSR)
Upfront cash ≈ HK$966K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$417/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,893
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,076/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$14,696
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$400/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$816/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$30,980/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).