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$7,380
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,610
−HK$233/mo
Today · 4.125%
HK$7,843
baseline
▲ 0.50% · 4.625%
HK$8,320
+HK$477/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,686/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$8,210
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$223/mo
Today · 4.125%
HK$8,654
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,308/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$8,856
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,132
−HK$280/mo
Today · 4.125%
HK$9,412
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,824/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$9,853
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$268/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$547/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,770/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$10,332
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,654
−HK$326/mo
Today · 4.125%
HK$10,980
baseline
▲ 0.50% · 4.625%
HK$11,648
+HK$668/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$21,960/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$11,495
−HK$621/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$313/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$638/mo
Deposit HK$971K · loan HK$2.27M · min. income ≈ HK$24,232/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$13,285
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,698
−HK$420/mo
Today · 4.125%
HK$14,118
baseline
▲ 0.50% · 4.625%
HK$14,977
+HK$859/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$28,236/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$14,779
−HK$798/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$402/mo
Today · 4.125%
HK$15,577
baseline
▲ 0.50% · 4.625%
HK$16,398
+HK$821/mo
Deposit HK$324K · loan HK$2.91M · min. income ≈ HK$31,154/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).