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$7,401
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,632
−HK$233/mo
Today · 4.125%
HK$7,865
baseline
▲ 0.50% · 4.625%
HK$8,344
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,730/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$8,234
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,455
−HK$224/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,136
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,358/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$8,882
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,158
−HK$280/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$10,013
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,876/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$9,881
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,146
−HK$268/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$10,963
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,828/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$10,362
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,684
−HK$328/mo
Today · 4.125%
HK$11,012
baseline
▲ 0.50% · 4.625%
HK$11,682
+HK$670/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,024/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,527
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,837
−HK$313/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,791
+HK$641/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,300/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,322
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,737
−HK$421/mo
Today · 4.125%
HK$14,158
baseline
▲ 0.50% · 4.625%
HK$15,019
+HK$861/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,316/mo (50% DSR)
Upfront cash ≈ HK$325K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,218
−HK$404/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,445
+HK$823/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$325K (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).