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$7,385
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,615
−HK$233/mo
Today · 4.125%
HK$7,848
baseline
▲ 0.50% · 4.625%
HK$8,326
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,696/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$8,216
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$224/mo
Today · 4.125%
HK$8,660
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,320/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$8,862
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,138
−HK$280/mo
Today · 4.125%
HK$9,418
baseline
▲ 0.50% · 4.625%
HK$9,991
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,836/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$9,859
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$269/mo
Today · 4.125%
HK$10,392
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$547/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,784/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$10,339
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,661
−HK$326/mo
Today · 4.125%
HK$10,987
baseline
▲ 0.50% · 4.625%
HK$11,656
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,974/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,502
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,811
−HK$313/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,763
+HK$639/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,293
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$420/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,986
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,254/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$14,788
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$402/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,409
+HK$822/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,174/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).