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$7,408
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,639
−HK$234/mo
Today · 4.125%
HK$7,873
baseline
▲ 0.50% · 4.625%
HK$8,352
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,746/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$8,242
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,463
−HK$224/mo
Today · 4.125%
HK$8,687
baseline
▲ 0.50% · 4.625%
HK$9,145
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,374/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$8,890
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,166
−HK$281/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$10,022
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,894/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$9,890
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,155
−HK$269/mo
Today · 4.125%
HK$10,424
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,848/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$10,371
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,694
−HK$328/mo
Today · 4.125%
HK$11,022
baseline
▲ 0.50% · 4.625%
HK$11,693
+HK$671/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$22,044/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$11,538
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,848
−HK$314/mo
Today · 4.125%
HK$12,162
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$641/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$24,324/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$13,335
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,750
−HK$421/mo
Today · 4.125%
HK$14,171
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,342/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$14,835
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,233
−HK$403/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,460
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,272/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).