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$7,367
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,596
−HK$233/mo
Today · 4.125%
HK$7,829
baseline
▲ 0.50% · 4.625%
HK$8,305
+HK$476/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,658/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$8,195
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,415
−HK$223/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,094
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,276/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$8,840
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,115
−HK$279/mo
Today · 4.125%
HK$9,394
baseline
▲ 0.50% · 4.625%
HK$9,966
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,788/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$9,835
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,098
−HK$268/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,732/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$10,313
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,634
−HK$326/mo
Today · 4.125%
HK$10,960
baseline
▲ 0.50% · 4.625%
HK$11,627
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,920/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,474
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,781
−HK$312/mo
Today · 4.125%
HK$12,093
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,186/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,260
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,673
−HK$419/mo
Today · 4.125%
HK$14,092
baseline
▲ 0.50% · 4.625%
HK$14,949
+HK$857/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,184/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$14,752
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$402/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$819/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,098/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).