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$7,380
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,609
−HK$233/mo
Today · 4.125%
HK$7,842
baseline
▲ 0.50% · 4.625%
HK$8,319
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,684/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$8,210
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,430
−HK$223/mo
Today · 4.125%
HK$8,653
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,306/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$8,855
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,131
−HK$280/mo
Today · 4.125%
HK$9,411
baseline
▲ 0.50% · 4.625%
HK$9,983
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,822/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$9,852
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,116
−HK$268/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$10,931
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,768/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$10,331
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,653
−HK$326/mo
Today · 4.125%
HK$10,979
baseline
▲ 0.50% · 4.625%
HK$11,647
+HK$668/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,958/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,494
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,802
−HK$312/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$639/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,228/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,283
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,696
−HK$420/mo
Today · 4.125%
HK$14,116
baseline
▲ 0.50% · 4.625%
HK$14,975
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,232/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$14,777
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$402/mo
Today · 4.125%
HK$15,576
baseline
▲ 0.50% · 4.625%
HK$16,397
+HK$821/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,152/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).