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$7,372
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,601
−HK$233/mo
Today · 4.125%
HK$7,834
baseline
▲ 0.50% · 4.625%
HK$8,311
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,668/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$8,201
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$223/mo
Today · 4.125%
HK$8,644
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,288/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$8,846
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,121
−HK$280/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,802/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$9,841
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$268/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,746/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$10,321
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,642
−HK$326/mo
Today · 4.125%
HK$10,968
baseline
▲ 0.50% · 4.625%
HK$11,635
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,936/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$11,482
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$312/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,204/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$13,269
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,682
−HK$420/mo
Today · 4.125%
HK$14,102
baseline
▲ 0.50% · 4.625%
HK$14,960
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,204/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,158
−HK$402/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,120/mo (50% DSR)
Upfront cash ≈ HK$323K (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).