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$7,379
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,609
−HK$233/mo
Today · 4.125%
HK$7,842
baseline
▲ 0.50% · 4.625%
HK$8,319
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,684/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$8,209
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,429
−HK$224/mo
Today · 4.125%
HK$8,653
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,306/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$8,855
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,130
−HK$280/mo
Today · 4.125%
HK$9,410
baseline
▲ 0.50% · 4.625%
HK$9,983
+HK$573/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,820/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$9,851
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,115
−HK$268/mo
Today · 4.125%
HK$10,383
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,766/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$10,331
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,652
−HK$326/mo
Today · 4.125%
HK$10,978
baseline
▲ 0.50% · 4.625%
HK$11,646
+HK$668/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,956/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,493
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,801
−HK$313/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$638/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,228/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,282
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,695
−HK$420/mo
Today · 4.125%
HK$14,115
baseline
▲ 0.50% · 4.625%
HK$14,974
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,230/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$14,776
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$402/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$821/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,150/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).