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$7,366
−HK$462/mo
▼ 0.25% · 3.875%
HK$7,595
−HK$233/mo
Today · 4.125%
HK$7,828
baseline
▲ 0.50% · 4.625%
HK$8,304
+HK$476/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,656/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$8,195
−HK$442/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$223/mo
Today · 4.125%
HK$8,637
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$456/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,274/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$8,839
−HK$554/mo
▼ 0.25% · 3.875%
HK$9,114
−HK$279/mo
Today · 4.125%
HK$9,393
baseline
▲ 0.50% · 4.625%
HK$9,965
+HK$572/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$18,786/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$9,833
−HK$532/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$268/mo
Today · 4.125%
HK$10,365
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$546/mo
Deposit HK$1.29M · loan HK$1.94M · min. income ≈ HK$20,730/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$10,312
−HK$647/mo
▼ 0.25% · 3.875%
HK$10,633
−HK$326/mo
Today · 4.125%
HK$10,959
baseline
▲ 0.50% · 4.625%
HK$11,626
+HK$667/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$21,918/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,472
−HK$620/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$312/mo
Today · 4.125%
HK$12,092
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$638/mo
Deposit HK$969K · loan HK$2.26M · min. income ≈ HK$24,184/mo (50% DSR)
Upfront cash ≈ HK$969K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,259
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,671
−HK$419/mo
Today · 4.125%
HK$14,090
baseline
▲ 0.50% · 4.625%
HK$14,948
+HK$858/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$28,180/mo (50% DSR)
Upfront cash ≈ HK$323K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$401/mo
Today · 4.125%
HK$15,547
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$820/mo
Deposit HK$323K · loan HK$2.91M · min. income ≈ HK$31,094/mo (50% DSR)
Upfront cash ≈ HK$323K (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).