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$7,378
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,608
−HK$233/mo
Today · 4.125%
HK$7,841
baseline
▲ 0.50% · 4.625%
HK$8,318
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,682/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$8,208
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$224/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,108
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,304/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$8,854
−HK$555/mo
▼ 0.25% · 3.875%
HK$9,129
−HK$280/mo
Today · 4.125%
HK$9,409
baseline
▲ 0.50% · 4.625%
HK$9,982
+HK$573/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,818/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$9,850
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,114
−HK$268/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,764/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$10,330
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,651
−HK$326/mo
Today · 4.125%
HK$10,977
baseline
▲ 0.50% · 4.625%
HK$11,645
+HK$668/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,954/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$11,492
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,800
−HK$312/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,751
+HK$639/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,224/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$13,281
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,694
−HK$420/mo
Today · 4.125%
HK$14,114
baseline
▲ 0.50% · 4.625%
HK$14,972
+HK$858/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,228/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$14,775
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$402/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$821/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,146/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).