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$7,395
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$234/mo
Today · 4.125%
HK$7,859
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,718/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$8,227
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,448
−HK$224/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,344/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$8,874
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$281/mo
Today · 4.125%
HK$9,431
baseline
▲ 0.50% · 4.625%
HK$10,005
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,862/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$9,873
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$269/mo
Today · 4.125%
HK$10,406
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$548/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,812/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$10,353
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,675
−HK$328/mo
Today · 4.125%
HK$11,003
baseline
▲ 0.50% · 4.625%
HK$11,672
+HK$669/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,006/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$11,518
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,827
−HK$313/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,780
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,280/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$13,311
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$421/mo
Today · 4.125%
HK$14,146
baseline
▲ 0.50% · 4.625%
HK$15,007
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,292/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$14,809
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,206
−HK$403/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,218/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).