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$7,392
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,622
−HK$234/mo
Today · 4.125%
HK$7,856
baseline
▲ 0.50% · 4.625%
HK$8,334
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,712/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$8,224
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,444
−HK$224/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,125
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,336/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$8,870
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,146
−HK$281/mo
Today · 4.125%
HK$9,427
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$573/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,854/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$9,868
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,133
−HK$268/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$10,950
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,802/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$10,349
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,671
−HK$327/mo
Today · 4.125%
HK$10,998
baseline
▲ 0.50% · 4.625%
HK$11,667
+HK$669/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$21,996/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$11,513
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,822
−HK$313/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,775
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,270/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$13,306
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,720
−HK$420/mo
Today · 4.125%
HK$14,140
baseline
▲ 0.50% · 4.625%
HK$15,001
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,280/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$14,802
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,199
−HK$403/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,425
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,204/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).