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$7,406
−HK$465/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$8,239
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,460
−HK$225/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,142
+HK$457/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$557/mo
▼ 0.25% · 3.875%
HK$9,164
−HK$281/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$10,020
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,890/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$9,887
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,153
−HK$269/mo
Today · 4.125%
HK$10,422
baseline
▲ 0.50% · 4.625%
HK$10,971
+HK$549/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$10,369
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,691
−HK$328/mo
Today · 4.125%
HK$11,019
baseline
▲ 0.50% · 4.625%
HK$11,690
+HK$671/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,038/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$11,535
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,845
−HK$313/mo
Today · 4.125%
HK$12,158
baseline
▲ 0.50% · 4.625%
HK$12,799
+HK$641/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,316/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$13,331
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$421/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$15,029
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,334/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$14,831
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$403/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,456
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,264/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).