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$7,371
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,600
−HK$233/mo
Today · 4.125%
HK$7,833
baseline
▲ 0.50% · 4.625%
HK$8,310
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,666/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$8,200
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$223/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,286/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$8,845
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,120
−HK$280/mo
Today · 4.125%
HK$9,400
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,800/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,840
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$268/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,744/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,319
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,640
−HK$326/mo
Today · 4.125%
HK$10,966
baseline
▲ 0.50% · 4.625%
HK$11,633
+HK$667/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,932/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,480
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$312/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,738
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$970K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,267
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,680
−HK$419/mo
Today · 4.125%
HK$14,099
baseline
▲ 0.50% · 4.625%
HK$14,957
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,198/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,760
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$401/mo
Today · 4.125%
HK$15,557
baseline
▲ 0.50% · 4.625%
HK$16,377
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,114/mo (50% DSR)
Upfront cash ≈ HK$323K (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).