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$7,422
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,653
−HK$234/mo
Today · 4.125%
HK$7,887
baseline
▲ 0.50% · 4.625%
HK$8,367
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,774/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$8,257
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,478
−HK$225/mo
Today · 4.125%
HK$8,703
baseline
▲ 0.50% · 4.625%
HK$9,161
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,406/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$8,906
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,183
−HK$281/mo
Today · 4.125%
HK$9,464
baseline
▲ 0.50% · 4.625%
HK$10,040
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,928/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$9,908
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,174
−HK$269/mo
Today · 4.125%
HK$10,443
baseline
▲ 0.50% · 4.625%
HK$10,994
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,886/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$10,390
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,714
−HK$328/mo
Today · 4.125%
HK$11,042
baseline
▲ 0.50% · 4.625%
HK$11,714
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,084/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$11,559
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,869
−HK$315/mo
Today · 4.125%
HK$12,184
baseline
▲ 0.50% · 4.625%
HK$12,826
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,368/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$13,359
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$422/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$15,061
+HK$864/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,394/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$14,862
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$405/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,330/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).