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$7,383
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,613
−HK$233/mo
Today · 4.125%
HK$7,846
baseline
▲ 0.50% · 4.625%
HK$8,323
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,692/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$8,214
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,434
−HK$223/mo
Today · 4.125%
HK$8,657
baseline
▲ 0.50% · 4.625%
HK$9,114
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,314/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$8,860
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,135
−HK$280/mo
Today · 4.125%
HK$9,415
baseline
▲ 0.50% · 4.625%
HK$9,988
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,830/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$9,856
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$268/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$10,936
+HK$547/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,778/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$10,336
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,658
−HK$326/mo
Today · 4.125%
HK$10,984
baseline
▲ 0.50% · 4.625%
HK$11,653
+HK$669/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,968/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,499
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$313/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,759
+HK$639/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,240/mo (50% DSR)
Upfront cash ≈ HK$971K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,289
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,703
−HK$420/mo
Today · 4.125%
HK$14,123
baseline
▲ 0.50% · 4.625%
HK$14,982
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,246/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$14,784
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$402/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,405
+HK$822/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,166/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).