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$7,430
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,661
−HK$235/mo
Today · 4.125%
HK$7,896
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,792/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$8,266
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$225/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,426/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$8,916
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,194
−HK$281/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$10,052
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,950/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$9,919
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,185
−HK$270/mo
Today · 4.125%
HK$10,455
baseline
▲ 0.50% · 4.625%
HK$11,006
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,910/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$10,402
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,726
−HK$329/mo
Today · 4.125%
HK$11,055
baseline
▲ 0.50% · 4.625%
HK$11,727
+HK$672/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,110/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,572
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,883
−HK$315/mo
Today · 4.125%
HK$12,198
baseline
▲ 0.50% · 4.625%
HK$12,841
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,396/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,374
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$423/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,426/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$14,879
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$405/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,366/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).