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$463/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$233/mo
Today · 4.125%
HK$7,857
baseline
▲ 0.50% · 4.625%
HK$8,335
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,714/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$8,225
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,446
−HK$224/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$8,872
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,148
−HK$281/mo
Today · 4.125%
HK$9,429
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$573/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$9,870
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,135
−HK$269/mo
Today · 4.125%
HK$10,404
baseline
▲ 0.50% · 4.625%
HK$10,952
+HK$548/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$10,351
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,673
−HK$327/mo
Today · 4.125%
HK$11,000
baseline
▲ 0.50% · 4.625%
HK$11,670
+HK$670/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,000/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$622/mo
▼ 0.25% · 3.875%
HK$11,824
−HK$314/mo
Today · 4.125%
HK$12,138
baseline
▲ 0.50% · 4.625%
HK$12,777
+HK$639/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,276/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$13,309
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,723
−HK$420/mo
Today · 4.125%
HK$14,143
baseline
▲ 0.50% · 4.625%
HK$15,004
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,286/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$14,806
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$403/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,428
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,212/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).