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$7,392
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$233/mo
Today · 4.125%
HK$7,855
baseline
▲ 0.50% · 4.625%
HK$8,333
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,710/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$8,223
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$224/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,336/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$8,870
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$280/mo
Today · 4.125%
HK$9,426
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$574/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,852/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$9,868
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$268/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$10,949
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,802/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$10,349
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,670
−HK$327/mo
Today · 4.125%
HK$10,997
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$670/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,994/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$11,513
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,821
−HK$314/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$639/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,270/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$13,305
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,719
−HK$421/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$15,000
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,280/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$14,802
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,199
−HK$403/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,424
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,204/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).