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$7,415
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,645
−HK$235/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,359
+HK$479/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,760/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$8,249
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,470
−HK$224/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,153
+HK$459/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$8,898
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,174
−HK$282/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$10,031
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,912/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$9,899
−HK$534/mo
▼ 0.25% · 3.875%
HK$10,164
−HK$269/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$10,983
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,866/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$10,381
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,703
−HK$329/mo
Today · 4.125%
HK$11,032
baseline
▲ 0.50% · 4.625%
HK$11,703
+HK$671/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,064/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$11,548
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,858
−HK$314/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,814
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,344/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$13,346
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$421/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,366/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$14,848
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$404/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,300/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).