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$7,366
−HK$461/mo
▼ 0.25% · 3.875%
HK$7,595
−HK$232/mo
Today · 4.125%
HK$7,827
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,654/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$8,194
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$223/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$455/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,274/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$8,839
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$279/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,786/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$9,833
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$267/mo
Today · 4.125%
HK$10,364
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,728/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$10,312
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,632
−HK$326/mo
Today · 4.125%
HK$10,958
baseline
▲ 0.50% · 4.625%
HK$11,625
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,916/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,472
−HK$619/mo
▼ 0.25% · 3.875%
HK$11,779
−HK$312/mo
Today · 4.125%
HK$12,091
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,182/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,258
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,670
−HK$419/mo
Today · 4.125%
HK$14,089
baseline
▲ 0.50% · 4.625%
HK$14,947
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,178/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$14,749
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$401/mo
Today · 4.125%
HK$15,546
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,092/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).