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$7,410
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$234/mo
Today · 4.125%
HK$7,875
baseline
▲ 0.50% · 4.625%
HK$8,354
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,750/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$8,244
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,465
−HK$224/mo
Today · 4.125%
HK$8,689
baseline
▲ 0.50% · 4.625%
HK$9,147
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,378/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$8,892
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,169
−HK$281/mo
Today · 4.125%
HK$9,450
baseline
▲ 0.50% · 4.625%
HK$10,025
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,900/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$9,892
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,158
−HK$269/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,854/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$10,374
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,697
−HK$328/mo
Today · 4.125%
HK$11,025
baseline
▲ 0.50% · 4.625%
HK$11,696
+HK$671/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$22,050/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,541
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,851
−HK$314/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$641/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$24,330/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,338
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$422/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$15,037
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,350/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$14,839
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$403/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$825/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,280/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).