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$7,425
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,656
−HK$235/mo
Today · 4.125%
HK$7,891
baseline
▲ 0.50% · 4.625%
HK$8,371
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,782/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,261
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$225/mo
Today · 4.125%
HK$8,707
baseline
▲ 0.50% · 4.625%
HK$9,166
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,414/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,911
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$281/mo
Today · 4.125%
HK$9,469
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,938/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$9,913
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$269/mo
Today · 4.125%
HK$10,448
baseline
▲ 0.50% · 4.625%
HK$10,999
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,896/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$10,396
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,719
−HK$329/mo
Today · 4.125%
HK$11,048
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,096/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,565
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,875
−HK$315/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$642/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$422/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$864/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,408/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,869
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$405/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,499
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$326K (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).