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$7,375
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,604
−HK$233/mo
Today · 4.125%
HK$7,837
baseline
▲ 0.50% · 4.625%
HK$8,314
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,674/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$8,204
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,424
−HK$224/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,103
+HK$455/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,296/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$8,850
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,125
−HK$280/mo
Today · 4.125%
HK$9,405
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,810/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$9,845
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$268/mo
Today · 4.125%
HK$10,377
baseline
▲ 0.50% · 4.625%
HK$10,924
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,754/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$10,325
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$326/mo
Today · 4.125%
HK$10,972
baseline
▲ 0.50% · 4.625%
HK$11,640
+HK$668/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,944/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,486
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$313/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,745
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,214/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,275
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,687
−HK$420/mo
Today · 4.125%
HK$14,107
baseline
▲ 0.50% · 4.625%
HK$14,965
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,214/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$14,768
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,164
−HK$402/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,386
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,132/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).