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$7,374
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,603
−HK$233/mo
Today · 4.125%
HK$7,836
baseline
▲ 0.50% · 4.625%
HK$8,313
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,672/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$8,203
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$224/mo
Today · 4.125%
HK$8,647
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$455/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,294/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$8,849
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,124
−HK$280/mo
Today · 4.125%
HK$9,404
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,808/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$9,844
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$268/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,752/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$10,323
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,645
−HK$326/mo
Today · 4.125%
HK$10,971
baseline
▲ 0.50% · 4.625%
HK$11,638
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,942/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$11,485
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,793
−HK$312/mo
Today · 4.125%
HK$12,105
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,210/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$13,273
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,686
−HK$419/mo
Today · 4.125%
HK$14,105
baseline
▲ 0.50% · 4.625%
HK$14,964
+HK$859/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,210/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$14,766
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,162
−HK$402/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,128/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).