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$7,398
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,628
−HK$234/mo
Today · 4.125%
HK$7,862
baseline
▲ 0.50% · 4.625%
HK$8,341
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,724/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$8,230
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,451
−HK$224/mo
Today · 4.125%
HK$8,675
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,350/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$8,878
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,154
−HK$281/mo
Today · 4.125%
HK$9,435
baseline
▲ 0.50% · 4.625%
HK$10,009
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,870/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$9,877
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,141
−HK$269/mo
Today · 4.125%
HK$10,410
baseline
▲ 0.50% · 4.625%
HK$10,959
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,820/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$10,358
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,680
−HK$327/mo
Today · 4.125%
HK$11,007
baseline
▲ 0.50% · 4.625%
HK$11,677
+HK$670/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,014/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$11,523
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,832
−HK$313/mo
Today · 4.125%
HK$12,145
baseline
▲ 0.50% · 4.625%
HK$12,785
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,290/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$13,317
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$421/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$15,013
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,304/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$14,815
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,212
−HK$403/mo
Today · 4.125%
HK$15,615
baseline
▲ 0.50% · 4.625%
HK$16,438
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,230/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).