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$7,373
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,602
−HK$233/mo
Today · 4.125%
HK$7,835
baseline
▲ 0.50% · 4.625%
HK$8,312
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,670/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$8,202
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$224/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,101
+HK$455/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,292/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$8,848
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,123
−HK$279/mo
Today · 4.125%
HK$9,402
baseline
▲ 0.50% · 4.625%
HK$9,975
+HK$573/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,804/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$9,843
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,107
−HK$268/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$10,922
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,750/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$10,322
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,643
−HK$327/mo
Today · 4.125%
HK$10,970
baseline
▲ 0.50% · 4.625%
HK$11,637
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,940/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,483
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,791
−HK$313/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,742
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,208/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,271
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,684
−HK$420/mo
Today · 4.125%
HK$14,104
baseline
▲ 0.50% · 4.625%
HK$14,962
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,208/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$14,764
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$402/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,124/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).