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$7,423
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,654
−HK$234/mo
Today · 4.125%
HK$7,888
baseline
▲ 0.50% · 4.625%
HK$8,368
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,776/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$8,258
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,479
−HK$225/mo
Today · 4.125%
HK$8,704
baseline
▲ 0.50% · 4.625%
HK$9,163
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,408/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$8,908
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,185
−HK$281/mo
Today · 4.125%
HK$9,466
baseline
▲ 0.50% · 4.625%
HK$10,042
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,932/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$9,910
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,175
−HK$270/mo
Today · 4.125%
HK$10,445
baseline
▲ 0.50% · 4.625%
HK$10,995
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,890/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$10,392
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,715
−HK$329/mo
Today · 4.125%
HK$11,044
baseline
▲ 0.50% · 4.625%
HK$11,716
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,088/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$11,561
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,871
−HK$315/mo
Today · 4.125%
HK$12,186
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$642/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,372/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$13,361
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,777
−HK$422/mo
Today · 4.125%
HK$14,199
baseline
▲ 0.50% · 4.625%
HK$15,063
+HK$864/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,398/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$14,864
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,263
−HK$404/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,493
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,334/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).