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$7,358
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,587
−HK$232/mo
Today · 4.125%
HK$7,819
baseline
▲ 0.50% · 4.625%
HK$8,295
+HK$476/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$15,638/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$8,186
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,405
−HK$223/mo
Today · 4.125%
HK$8,628
baseline
▲ 0.50% · 4.625%
HK$9,083
+HK$455/mo
Deposit HK$1.61M · loan HK$1.61M · min. income ≈ HK$17,256/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$8,830
−HK$553/mo
▼ 0.25% · 3.875%
HK$9,104
−HK$279/mo
Today · 4.125%
HK$9,383
baseline
▲ 0.50% · 4.625%
HK$9,954
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,766/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$9,823
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$268/mo
Today · 4.125%
HK$10,354
baseline
▲ 0.50% · 4.625%
HK$10,899
+HK$545/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,708/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$10,301
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,622
−HK$325/mo
Today · 4.125%
HK$10,947
baseline
▲ 0.50% · 4.625%
HK$11,613
+HK$666/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$21,894/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,460
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,767
−HK$312/mo
Today · 4.125%
HK$12,079
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$637/mo
Deposit HK$968K · loan HK$2.26M · min. income ≈ HK$24,158/mo (50% DSR)
Upfront cash ≈ HK$968K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,245
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$419/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,931
+HK$856/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$28,150/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$14,734
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$400/mo
Today · 4.125%
HK$15,530
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$819/mo
Deposit HK$323K · loan HK$2.90M · min. income ≈ HK$31,060/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).