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$7,368
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,597
−HK$233/mo
Today · 4.125%
HK$7,830
baseline
▲ 0.50% · 4.625%
HK$8,306
+HK$476/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,660/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$8,196
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,416
−HK$223/mo
Today · 4.125%
HK$8,639
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,278/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$8,841
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,116
−HK$280/mo
Today · 4.125%
HK$9,396
baseline
▲ 0.50% · 4.625%
HK$9,967
+HK$571/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,792/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$9,836
−HK$531/mo
▼ 0.25% · 3.875%
HK$10,099
−HK$268/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,913
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,734/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$10,315
−HK$646/mo
▼ 0.25% · 3.875%
HK$10,635
−HK$326/mo
Today · 4.125%
HK$10,961
baseline
▲ 0.50% · 4.625%
HK$11,628
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,922/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,475
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,783
−HK$312/mo
Today · 4.125%
HK$12,095
baseline
▲ 0.50% · 4.625%
HK$12,732
+HK$637/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,190/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,262
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,674
−HK$419/mo
Today · 4.125%
HK$14,093
baseline
▲ 0.50% · 4.625%
HK$14,951
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,186/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$14,753
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,149
−HK$402/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,370
+HK$819/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,102/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).