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$7,414
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$234/mo
Today · 4.125%
HK$7,879
baseline
▲ 0.50% · 4.625%
HK$8,358
+HK$479/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,758/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$8,248
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,469
−HK$225/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,152
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,388/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$8,897
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$282/mo
Today · 4.125%
HK$9,455
baseline
▲ 0.50% · 4.625%
HK$10,030
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,910/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$9,898
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,163
−HK$269/mo
Today · 4.125%
HK$10,432
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,864/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$10,380
−HK$650/mo
▼ 0.25% · 3.875%
HK$10,702
−HK$328/mo
Today · 4.125%
HK$11,030
baseline
▲ 0.50% · 4.625%
HK$11,702
+HK$672/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$22,060/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,547
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,857
−HK$314/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,813
+HK$642/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$24,342/mo (50% DSR)
Upfront cash ≈ HK$976K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,345
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$422/mo
Today · 4.125%
HK$14,182
baseline
▲ 0.50% · 4.625%
HK$15,045
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,364/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$14,846
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$404/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,296/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).