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$7,408
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,638
−HK$234/mo
Today · 4.125%
HK$7,872
baseline
▲ 0.50% · 4.625%
HK$8,351
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,744/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$8,241
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,462
−HK$224/mo
Today · 4.125%
HK$8,686
baseline
▲ 0.50% · 4.625%
HK$9,144
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,372/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$8,889
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,166
−HK$281/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$10,021
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,894/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$9,889
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,154
−HK$269/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,846/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$10,371
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,693
−HK$328/mo
Today · 4.125%
HK$11,021
baseline
▲ 0.50% · 4.625%
HK$11,692
+HK$671/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$22,042/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$11,537
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,847
−HK$314/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,802
+HK$641/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$24,322/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$13,334
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,748
−HK$422/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$15,032
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,340/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$14,834
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,231
−HK$404/mo
Today · 4.125%
HK$15,635
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,270/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).