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$7,394
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$234/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$478/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$8,226
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$223/mo
Today · 4.125%
HK$8,670
baseline
▲ 0.50% · 4.625%
HK$9,127
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,340/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$8,873
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,149
−HK$280/mo
Today · 4.125%
HK$9,429
baseline
▲ 0.50% · 4.625%
HK$10,003
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,858/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$9,871
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$268/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,808/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$10,352
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$327/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,670
+HK$669/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,002/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$11,516
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,825
−HK$314/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,778
+HK$639/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$13,310
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$420/mo
Today · 4.125%
HK$14,144
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,288/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$14,807
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$403/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,429
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,214/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).