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$7,407
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,637
−HK$234/mo
Today · 4.125%
HK$7,871
baseline
▲ 0.50% · 4.625%
HK$8,350
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,742/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$8,240
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,461
−HK$224/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,370/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$8,888
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$281/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$10,020
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,892/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$9,888
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$269/mo
Today · 4.125%
HK$10,422
baseline
▲ 0.50% · 4.625%
HK$10,972
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,844/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$10,370
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,692
−HK$328/mo
Today · 4.125%
HK$11,020
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$670/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,040/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$11,536
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$314/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$641/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,318/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$13,332
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$421/mo
Today · 4.125%
HK$14,168
baseline
▲ 0.50% · 4.625%
HK$15,031
+HK$863/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,336/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$14,832
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$403/mo
Today · 4.125%
HK$15,633
baseline
▲ 0.50% · 4.625%
HK$16,457
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,266/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).