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$7,407
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,638
−HK$234/mo
Today · 4.125%
HK$7,872
baseline
▲ 0.50% · 4.625%
HK$8,351
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,744/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,240
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$225/mo
Today · 4.125%
HK$8,686
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,372/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,889
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$281/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$10,021
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,892/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,889
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$269/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$10,972
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,846/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,370
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,693
−HK$327/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,691
+HK$671/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$22,040/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,537
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,846
−HK$314/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,801
+HK$641/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$24,320/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,333
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$421/mo
Today · 4.125%
HK$14,169
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,338/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,833
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$403/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,458
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,268/mo (50% DSR)
Upfront cash ≈ HK$325K (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).