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$7,388
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,618
−HK$234/mo
Today · 4.125%
HK$7,852
baseline
▲ 0.50% · 4.625%
HK$8,330
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,704/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$8,220
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$224/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,328/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$8,866
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,142
−HK$280/mo
Today · 4.125%
HK$9,422
baseline
▲ 0.50% · 4.625%
HK$9,995
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,844/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$9,864
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,128
−HK$268/mo
Today · 4.125%
HK$10,396
baseline
▲ 0.50% · 4.625%
HK$10,944
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,792/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$10,344
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,666
−HK$327/mo
Today · 4.125%
HK$10,993
baseline
▲ 0.50% · 4.625%
HK$11,661
+HK$668/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,986/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,507
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,816
−HK$313/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,769
+HK$640/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,299
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,713
−HK$420/mo
Today · 4.125%
HK$14,133
baseline
▲ 0.50% · 4.625%
HK$14,993
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,266/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$14,795
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,192
−HK$403/mo
Today · 4.125%
HK$15,595
baseline
▲ 0.50% · 4.625%
HK$16,417
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,190/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).