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$7,376
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,605
−HK$233/mo
Today · 4.125%
HK$7,838
baseline
▲ 0.50% · 4.625%
HK$8,315
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,676/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$8,206
−HK$443/mo
▼ 0.25% · 3.875%
HK$8,426
−HK$223/mo
Today · 4.125%
HK$8,649
baseline
▲ 0.50% · 4.625%
HK$9,105
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,298/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$8,851
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,126
−HK$280/mo
Today · 4.125%
HK$9,406
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,812/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$9,847
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,111
−HK$268/mo
Today · 4.125%
HK$10,379
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,758/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$10,326
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,647
−HK$327/mo
Today · 4.125%
HK$10,974
baseline
▲ 0.50% · 4.625%
HK$11,642
+HK$668/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$21,948/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$11,488
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,796
−HK$313/mo
Today · 4.125%
HK$12,109
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$638/mo
Deposit HK$970K · loan HK$2.26M · min. income ≈ HK$24,218/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$13,277
−HK$832/mo
▼ 0.25% · 3.875%
HK$13,690
−HK$419/mo
Today · 4.125%
HK$14,109
baseline
▲ 0.50% · 4.625%
HK$14,968
+HK$859/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,218/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$14,770
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,166
−HK$402/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$821/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,136/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).