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$7,396
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,626
−HK$234/mo
Today · 4.125%
HK$7,860
baseline
▲ 0.50% · 4.625%
HK$8,338
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,720/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$8,228
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,449
−HK$224/mo
Today · 4.125%
HK$8,673
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,346/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$8,876
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,152
−HK$280/mo
Today · 4.125%
HK$9,432
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,864/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$9,874
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,139
−HK$268/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$10,956
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,814/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$10,355
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,677
−HK$327/mo
Today · 4.125%
HK$11,004
baseline
▲ 0.50% · 4.625%
HK$11,674
+HK$670/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,008/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$11,520
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,829
−HK$313/mo
Today · 4.125%
HK$12,142
baseline
▲ 0.50% · 4.625%
HK$12,782
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,284/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$13,313
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,727
−HK$421/mo
Today · 4.125%
HK$14,148
baseline
▲ 0.50% · 4.625%
HK$15,009
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,296/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$14,811
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,208
−HK$403/mo
Today · 4.125%
HK$15,611
baseline
▲ 0.50% · 4.625%
HK$16,434
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,222/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).