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$7,346
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,574
−HK$232/mo
Today · 4.125%
HK$7,806
baseline
▲ 0.50% · 4.625%
HK$8,281
+HK$475/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,612/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$8,172
−HK$441/mo
▼ 0.25% · 3.875%
HK$8,391
−HK$222/mo
Today · 4.125%
HK$8,613
baseline
▲ 0.50% · 4.625%
HK$9,067
+HK$454/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,226/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$8,815
−HK$552/mo
▼ 0.25% · 3.875%
HK$9,089
−HK$278/mo
Today · 4.125%
HK$9,367
baseline
▲ 0.50% · 4.625%
HK$9,937
+HK$570/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$18,734/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$9,806
−HK$530/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$267/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,881
+HK$545/mo
Deposit HK$1.29M · loan HK$1.93M · min. income ≈ HK$20,672/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$10,284
−HK$645/mo
▼ 0.25% · 3.875%
HK$10,604
−HK$325/mo
Today · 4.125%
HK$10,929
baseline
▲ 0.50% · 4.625%
HK$11,594
+HK$665/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$21,858/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,441
−HK$618/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$312/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,694
+HK$635/mo
Deposit HK$966K · loan HK$2.25M · min. income ≈ HK$24,118/mo (50% DSR)
Upfront cash ≈ HK$967K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,222
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$418/mo
Today · 4.125%
HK$14,051
baseline
▲ 0.50% · 4.625%
HK$14,906
+HK$855/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$28,102/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$14,709
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,104
−HK$400/mo
Today · 4.125%
HK$15,504
baseline
▲ 0.50% · 4.625%
HK$16,321
+HK$817/mo
Deposit HK$322K · loan HK$2.90M · min. income ≈ HK$31,008/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).