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$7,387
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$234/mo
Today · 4.125%
HK$7,851
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,702/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$8,218
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$223/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,119
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,324/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$8,865
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,141
−HK$280/mo
Today · 4.125%
HK$9,421
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,842/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$9,862
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$269/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,790/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$10,342
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,664
−HK$327/mo
Today · 4.125%
HK$10,991
baseline
▲ 0.50% · 4.625%
HK$11,660
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,982/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,506
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$313/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,767
+HK$640/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,254/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,297
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,711
−HK$420/mo
Today · 4.125%
HK$14,131
baseline
▲ 0.50% · 4.625%
HK$14,991
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,262/mo (50% DSR)
Upfront cash ≈ HK$324K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$402/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,414
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,184/mo (50% DSR)
Upfront cash ≈ HK$324K (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).