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$7,409
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,640
−HK$234/mo
Today · 4.125%
HK$7,874
baseline
▲ 0.50% · 4.625%
HK$8,353
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,748/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$8,243
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,464
−HK$224/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,146
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,376/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$8,891
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,168
−HK$281/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$10,024
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,898/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$9,891
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,157
−HK$269/mo
Today · 4.125%
HK$10,426
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,852/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$10,373
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,696
−HK$327/mo
Today · 4.125%
HK$11,023
baseline
▲ 0.50% · 4.625%
HK$11,694
+HK$671/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$22,046/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,540
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,849
−HK$314/mo
Today · 4.125%
HK$12,163
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$641/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$24,326/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,337
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$422/mo
Today · 4.125%
HK$14,173
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,346/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$14,837
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$403/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$825/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,276/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).