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$7,399
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,630
−HK$233/mo
Today · 4.125%
HK$7,863
baseline
▲ 0.50% · 4.625%
HK$8,342
+HK$479/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,726/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$8,232
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,452
−HK$224/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,352/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$8,879
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,155
−HK$281/mo
Today · 4.125%
HK$9,436
baseline
▲ 0.50% · 4.625%
HK$10,010
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,872/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$9,878
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,143
−HK$269/mo
Today · 4.125%
HK$10,412
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,824/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$10,359
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,681
−HK$328/mo
Today · 4.125%
HK$11,009
baseline
▲ 0.50% · 4.625%
HK$11,679
+HK$670/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,018/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,524
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,833
−HK$314/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,294/mo (50% DSR)
Upfront cash ≈ HK$974K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,319
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,733
−HK$421/mo
Today · 4.125%
HK$14,154
baseline
▲ 0.50% · 4.625%
HK$15,015
+HK$861/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,308/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$14,817
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,214
−HK$404/mo
Today · 4.125%
HK$15,618
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,236/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).