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$7,385
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,614
−HK$234/mo
Today · 4.125%
HK$7,848
baseline
▲ 0.50% · 4.625%
HK$8,325
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,696/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$8,215
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$223/mo
Today · 4.125%
HK$8,659
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,318/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$8,862
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,137
−HK$280/mo
Today · 4.125%
HK$9,417
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,834/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$9,858
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$268/mo
Today · 4.125%
HK$10,391
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,782/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$10,339
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,660
−HK$327/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,655
+HK$668/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,974/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$11,502
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$313/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$639/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,246/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$13,292
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,706
−HK$420/mo
Today · 4.125%
HK$14,126
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,252/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$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$403/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$821/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,174/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).