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$7,406
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,636
−HK$234/mo
Today · 4.125%
HK$7,870
baseline
▲ 0.50% · 4.625%
HK$8,349
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,740/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$8,239
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$224/mo
Today · 4.125%
HK$8,684
baseline
▲ 0.50% · 4.625%
HK$9,142
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,368/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$8,887
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,163
−HK$281/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$10,019
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,888/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$9,887
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,152
−HK$269/mo
Today · 4.125%
HK$10,421
baseline
▲ 0.50% · 4.625%
HK$10,970
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,842/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$10,368
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$327/mo
Today · 4.125%
HK$11,018
baseline
▲ 0.50% · 4.625%
HK$11,689
+HK$671/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,036/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,534
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,844
−HK$314/mo
Today · 4.125%
HK$12,158
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$640/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,316/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,330
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,745
−HK$421/mo
Today · 4.125%
HK$14,166
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,332/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,830
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,228
−HK$403/mo
Today · 4.125%
HK$15,631
baseline
▲ 0.50% · 4.625%
HK$16,455
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,262/mo (50% DSR)
Upfront cash ≈ HK$325K (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).