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$7,322
−HK$460/mo
▼ 0.25% · 3.875%
HK$7,550
−HK$232/mo
Today · 4.125%
HK$7,782
baseline
▲ 0.50% · 4.625%
HK$8,255
+HK$473/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,564/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$8,146
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$221/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$453/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,172/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$8,787
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,060
−HK$278/mo
Today · 4.125%
HK$9,338
baseline
▲ 0.50% · 4.625%
HK$9,906
+HK$568/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$18,676/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,775
−HK$529/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$266/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$543/mo
Deposit HK$1.28M · loan HK$1.93M · min. income ≈ HK$20,608/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,251
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,570
−HK$324/mo
Today · 4.125%
HK$10,894
baseline
▲ 0.50% · 4.625%
HK$11,557
+HK$663/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$21,788/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,405
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$311/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$633/mo
Deposit HK$963K · loan HK$2.25M · min. income ≈ HK$24,042/mo (50% DSR)
Upfront cash ≈ HK$963K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,180
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,590
−HK$417/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$852/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$399/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$815/mo
Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$321K (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).