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$7,428
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,659
−HK$235/mo
Today · 4.125%
HK$7,894
baseline
▲ 0.50% · 4.625%
HK$8,374
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,788/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$8,263
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,485
−HK$225/mo
Today · 4.125%
HK$8,710
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,420/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$8,913
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,191
−HK$281/mo
Today · 4.125%
HK$9,472
baseline
▲ 0.50% · 4.625%
HK$10,049
+HK$577/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,944/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$9,916
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,182
−HK$270/mo
Today · 4.125%
HK$10,452
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,904/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$10,399
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,722
−HK$329/mo
Today · 4.125%
HK$11,051
baseline
▲ 0.50% · 4.625%
HK$11,723
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,102/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$11,569
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,879
−HK$315/mo
Today · 4.125%
HK$12,194
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$642/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,388/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$13,370
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$422/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,416/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$14,874
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$405/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,356/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).