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$7,390
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,620
−HK$233/mo
Today · 4.125%
HK$7,853
baseline
▲ 0.50% · 4.625%
HK$8,331
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,706/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$8,221
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,441
−HK$224/mo
Today · 4.125%
HK$8,665
baseline
▲ 0.50% · 4.625%
HK$9,122
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,330/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$8,868
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$281/mo
Today · 4.125%
HK$9,424
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,848/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$9,865
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,130
−HK$268/mo
Today · 4.125%
HK$10,398
baseline
▲ 0.50% · 4.625%
HK$10,946
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,796/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$10,346
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,667
−HK$327/mo
Today · 4.125%
HK$10,994
baseline
▲ 0.50% · 4.625%
HK$11,663
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,988/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$11,509
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,818
−HK$313/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,771
+HK$640/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,262/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$13,301
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,715
−HK$421/mo
Today · 4.125%
HK$14,136
baseline
▲ 0.50% · 4.625%
HK$14,996
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,272/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$14,798
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,195
−HK$402/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,419
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,194/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).