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$7,371
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$233/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,666/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$8,200
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$223/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,286/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$8,845
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$280/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,800/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$9,840
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$268/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,744/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$10,319
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$327/mo
Today · 4.125%
HK$10,967
baseline
▲ 0.50% · 4.625%
HK$11,634
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,934/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$11,480
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$313/mo
Today · 4.125%
HK$12,101
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$637/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,202/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$13,268
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,681
−HK$419/mo
Today · 4.125%
HK$14,100
baseline
▲ 0.50% · 4.625%
HK$14,958
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,200/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$14,760
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$402/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,378
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,116/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).