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$463/mo
▼ 0.25% · 3.875%
HK$7,605
−HK$233/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,315
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,676/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$8,205
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$223/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,104
+HK$456/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$9,126
−HK$279/mo
Today · 4.125%
HK$9,405
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$573/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$9,846
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$268/mo
Today · 4.125%
HK$10,378
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,756/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$648/mo
▼ 0.25% · 3.875%
HK$10,646
−HK$327/mo
Today · 4.125%
HK$10,973
baseline
▲ 0.50% · 4.625%
HK$11,640
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,946/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$11,487
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,795
−HK$312/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,746
+HK$639/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$833/mo
▼ 0.25% · 3.875%
HK$13,688
−HK$420/mo
Today · 4.125%
HK$14,108
baseline
▲ 0.50% · 4.625%
HK$14,966
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,216/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$14,769
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,165
−HK$402/mo
Today · 4.125%
HK$15,567
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,134/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).