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$7,377
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,606
−HK$234/mo
Today · 4.125%
HK$7,840
baseline
▲ 0.50% · 4.625%
HK$8,317
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,680/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$8,207
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,427
−HK$223/mo
Today · 4.125%
HK$8,650
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,300/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$8,852
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,128
−HK$279/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,980
+HK$573/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,814/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$9,848
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,112
−HK$268/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$10,927
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,760/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$10,328
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,649
−HK$326/mo
Today · 4.125%
HK$10,975
baseline
▲ 0.50% · 4.625%
HK$11,643
+HK$668/mo
Deposit HK$971K · loan HK$2.26M · min. income ≈ HK$21,950/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,490
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$312/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,749
+HK$639/mo
Deposit HK$971K · loan HK$2.26M · min. income ≈ HK$24,220/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,279
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,692
−HK$419/mo
Today · 4.125%
HK$14,111
baseline
▲ 0.50% · 4.625%
HK$14,970
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,222/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$14,772
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$402/mo
Today · 4.125%
HK$15,570
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$821/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,140/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).