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$7,401
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,631
−HK$234/mo
Today · 4.125%
HK$7,865
baseline
▲ 0.50% · 4.625%
HK$8,343
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,730/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$8,233
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,454
−HK$224/mo
Today · 4.125%
HK$8,678
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,356/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$8,881
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,157
−HK$281/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$10,012
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,876/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$9,880
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,145
−HK$269/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$548/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,828/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$10,361
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,683
−HK$328/mo
Today · 4.125%
HK$11,011
baseline
▲ 0.50% · 4.625%
HK$11,681
+HK$670/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,022/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,526
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,836
−HK$313/mo
Today · 4.125%
HK$12,149
baseline
▲ 0.50% · 4.625%
HK$12,790
+HK$641/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,298/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,321
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,736
−HK$421/mo
Today · 4.125%
HK$14,157
baseline
▲ 0.50% · 4.625%
HK$15,018
+HK$861/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,314/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$14,820
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$403/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,444
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,240/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).