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$7,403
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,634
−HK$234/mo
Today · 4.125%
HK$7,868
baseline
▲ 0.50% · 4.625%
HK$8,346
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,736/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$8,236
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,457
−HK$224/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,139
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,362/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$8,884
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,160
−HK$281/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,882/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$9,883
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,149
−HK$268/mo
Today · 4.125%
HK$10,417
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,834/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$10,365
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,687
−HK$328/mo
Today · 4.125%
HK$11,015
baseline
▲ 0.50% · 4.625%
HK$11,685
+HK$670/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,030/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,531
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,840
−HK$314/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$640/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,308/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,326
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$421/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$403/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$325K (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).