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$7,411
−HK$464/mo
▼ 0.25% · 3.875%
HK$7,641
−HK$234/mo
Today · 4.125%
HK$7,875
baseline
▲ 0.50% · 4.625%
HK$8,355
+HK$480/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$15,750/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$8,244
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,466
−HK$224/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$458/mo
Deposit HK$1.62M · loan HK$1.62M · min. income ≈ HK$17,380/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$8,893
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$281/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$10,026
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,902/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$9,893
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,159
−HK$269/mo
Today · 4.125%
HK$10,428
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$549/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,856/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$10,375
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,698
−HK$328/mo
Today · 4.125%
HK$11,026
baseline
▲ 0.50% · 4.625%
HK$11,697
+HK$671/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$22,052/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$11,542
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,852
−HK$314/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,807
+HK$641/mo
Deposit HK$975K · loan HK$2.27M · min. income ≈ HK$24,332/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$13,339
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$422/mo
Today · 4.125%
HK$14,176
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$862/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$28,352/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$14,840
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,238
−HK$404/mo
Today · 4.125%
HK$15,642
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$824/mo
Deposit HK$325K · loan HK$2.92M · min. income ≈ HK$31,284/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).