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$7,402
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,633
−HK$234/mo
Today · 4.125%
HK$7,867
baseline
▲ 0.50% · 4.625%
HK$8,345
+HK$478/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,734/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$8,235
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,456
−HK$224/mo
Today · 4.125%
HK$8,680
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,360/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$8,883
−HK$557/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$281/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$574/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,880/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$9,882
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,147
−HK$269/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,832/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$10,363
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,686
−HK$327/mo
Today · 4.125%
HK$11,013
baseline
▲ 0.50% · 4.625%
HK$11,683
+HK$670/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$22,026/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$11,529
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,838
−HK$314/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$641/mo
Deposit HK$974K · loan HK$2.27M · min. income ≈ HK$24,304/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$13,324
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,739
−HK$421/mo
Today · 4.125%
HK$14,160
baseline
▲ 0.50% · 4.625%
HK$15,021
+HK$861/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,320/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$14,823
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$403/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,248/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).