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$7,395
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,625
−HK$233/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,337
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,716/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$8,227
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$224/mo
Today · 4.125%
HK$8,671
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,342/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$8,874
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,150
−HK$280/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,860/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$9,872
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,137
−HK$268/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$10,954
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,810/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$10,353
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,675
−HK$327/mo
Today · 4.125%
HK$11,002
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$669/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,004/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,517
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$313/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,278/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,311
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,725
−HK$420/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$15,006
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,290/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$14,808
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,205
−HK$403/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,431
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,216/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).