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$7,412
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,642
−HK$234/mo
Today · 4.125%
HK$7,876
baseline
▲ 0.50% · 4.625%
HK$8,356
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,752/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$8,245
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,467
−HK$224/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,149
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,382/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$8,894
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,171
−HK$281/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$10,027
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,904/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$9,895
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,160
−HK$269/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$10,979
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,858/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$10,376
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,699
−HK$328/mo
Today · 4.125%
HK$11,027
baseline
▲ 0.50% · 4.625%
HK$11,698
+HK$671/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$22,054/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,544
−HK$623/mo
▼ 0.25% · 3.875%
HK$11,853
−HK$314/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,809
+HK$642/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$24,334/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,341
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$422/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$862/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,356/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$14,842
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$404/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,468
+HK$824/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,288/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).