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$7,387
−HK$463/mo
▼ 0.25% · 3.875%
HK$7,617
−HK$233/mo
Today · 4.125%
HK$7,850
baseline
▲ 0.50% · 4.625%
HK$8,328
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,700/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$8,218
−HK$444/mo
▼ 0.25% · 3.875%
HK$8,438
−HK$224/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,118
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,324/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$8,864
−HK$556/mo
▼ 0.25% · 3.875%
HK$9,140
−HK$280/mo
Today · 4.125%
HK$9,420
baseline
▲ 0.50% · 4.625%
HK$9,993
+HK$573/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$18,840/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$9,861
−HK$533/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$268/mo
Today · 4.125%
HK$10,394
baseline
▲ 0.50% · 4.625%
HK$10,942
+HK$548/mo
Deposit HK$1.30M · loan HK$1.94M · min. income ≈ HK$20,788/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$10,342
−HK$648/mo
▼ 0.25% · 3.875%
HK$10,663
−HK$327/mo
Today · 4.125%
HK$10,990
baseline
▲ 0.50% · 4.625%
HK$11,659
+HK$669/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$21,980/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,505
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$313/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,766
+HK$639/mo
Deposit HK$972K · loan HK$2.27M · min. income ≈ HK$24,254/mo (50% DSR)
Upfront cash ≈ HK$972K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,297
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,710
−HK$420/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,990
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,260/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$14,792
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,189
−HK$402/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$822/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,182/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).