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$7,369
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,598
−HK$233/mo
Today · 4.125%
HK$7,831
baseline
▲ 0.50% · 4.625%
HK$8,308
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,662/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$8,198
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$223/mo
Today · 4.125%
HK$8,641
baseline
▲ 0.50% · 4.625%
HK$9,096
+HK$455/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,282/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$8,843
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,118
−HK$279/mo
Today · 4.125%
HK$9,397
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,794/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$9,837
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$268/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,738/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$10,317
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,637
−HK$326/mo
Today · 4.125%
HK$10,963
baseline
▲ 0.50% · 4.625%
HK$11,631
+HK$668/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,926/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$11,477
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,785
−HK$312/mo
Today · 4.125%
HK$12,097
baseline
▲ 0.50% · 4.625%
HK$12,735
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,194/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$13,264
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,677
−HK$419/mo
Today · 4.125%
HK$14,096
baseline
▲ 0.50% · 4.625%
HK$14,954
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,192/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$14,756
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$401/mo
Today · 4.125%
HK$15,553
baseline
▲ 0.50% · 4.625%
HK$16,373
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,106/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).