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$7,394
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,624
−HK$234/mo
Today · 4.125%
HK$7,858
baseline
▲ 0.50% · 4.625%
HK$8,336
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,716/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$8,226
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,447
−HK$224/mo
Today · 4.125%
HK$8,671
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$457/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,342/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$8,873
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,149
−HK$281/mo
Today · 4.125%
HK$9,430
baseline
▲ 0.50% · 4.625%
HK$10,003
+HK$573/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,860/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$9,871
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,136
−HK$269/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$548/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,810/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$10,352
−HK$649/mo
▼ 0.25% · 3.875%
HK$10,674
−HK$327/mo
Today · 4.125%
HK$11,001
baseline
▲ 0.50% · 4.625%
HK$11,671
+HK$670/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$22,002/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,517
−HK$622/mo
▼ 0.25% · 3.875%
HK$11,826
−HK$313/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$640/mo
Deposit HK$973K · loan HK$2.27M · min. income ≈ HK$24,278/mo (50% DSR)
Upfront cash ≈ HK$973K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,310
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,724
−HK$421/mo
Today · 4.125%
HK$14,145
baseline
▲ 0.50% · 4.625%
HK$15,005
+HK$860/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,290/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$14,807
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,204
−HK$403/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,430
+HK$823/mo
Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$31,214/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).