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$7,391
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,620
−HK$234/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,332
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,708/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$8,222
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,442
−HK$224/mo
Today · 4.125%
HK$8,666
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,332/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$8,869
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,145
−HK$280/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,998
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,850/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$9,866
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,131
−HK$268/mo
Today · 4.125%
HK$10,399
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$549/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,798/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$10,347
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,669
−HK$327/mo
Today · 4.125%
HK$10,996
baseline
▲ 0.50% · 4.625%
HK$11,665
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,992/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$11,511
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,819
−HK$314/mo
Today · 4.125%
HK$12,133
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$639/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,266/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$13,303
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,717
−HK$420/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,998
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,274/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$14,800
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$403/mo
Today · 4.125%
HK$15,599
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,198/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).