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$7,400
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$234/mo
Today · 4.125%
HK$7,864
baseline
▲ 0.50% · 4.625%
HK$8,342
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,728/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$8,232
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,453
−HK$224/mo
Today · 4.125%
HK$8,677
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,354/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$8,880
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,156
−HK$281/mo
Today · 4.125%
HK$9,437
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,874/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$9,879
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,144
−HK$269/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$548/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,826/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$10,360
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,682
−HK$328/mo
Today · 4.125%
HK$11,010
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$669/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,020/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$11,525
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,834
−HK$314/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$640/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,296/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$13,320
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,734
−HK$421/mo
Today · 4.125%
HK$14,155
baseline
▲ 0.50% · 4.625%
HK$15,016
+HK$861/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,310/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$14,818
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$403/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,442
+HK$823/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,238/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).