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$7,432
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$235/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,379
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,796/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$8,268
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$225/mo
Today · 4.125%
HK$8,715
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,430/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$8,919
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$282/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$10,055
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,956/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$9,922
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,188
−HK$270/mo
Today · 4.125%
HK$10,458
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,916/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$10,405
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,729
−HK$329/mo
Today · 4.125%
HK$11,058
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$672/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,116/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,576
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$315/mo
Today · 4.125%
HK$12,201
baseline
▲ 0.50% · 4.625%
HK$12,844
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,402/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,378
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$423/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,434/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$14,883
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$405/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,514
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,374/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).