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$7,397
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,627
−HK$234/mo
Today · 4.125%
HK$7,861
baseline
▲ 0.50% · 4.625%
HK$8,339
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,722/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$8,229
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,450
−HK$224/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,131
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,348/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$8,877
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,153
−HK$280/mo
Today · 4.125%
HK$9,433
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,866/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$9,875
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,140
−HK$269/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$10,957
+HK$548/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,818/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$10,356
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,678
−HK$328/mo
Today · 4.125%
HK$11,006
baseline
▲ 0.50% · 4.625%
HK$11,675
+HK$669/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,012/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,521
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,830
−HK$314/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,288/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,315
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,729
−HK$421/mo
Today · 4.125%
HK$14,150
baseline
▲ 0.50% · 4.625%
HK$15,011
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,300/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$14,813
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,210
−HK$403/mo
Today · 4.125%
HK$15,613
baseline
▲ 0.50% · 4.625%
HK$16,436
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,226/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).