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$7,418
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$234/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,766/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$8,253
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$224/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,157
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,396/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$8,902
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,179
−HK$281/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$10,036
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,920/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$9,903
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,169
−HK$269/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,876/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$10,385
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$329/mo
Today · 4.125%
HK$11,037
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$671/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,074/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$11,554
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$315/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,356/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$13,353
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,768
−HK$422/mo
Today · 4.125%
HK$14,190
baseline
▲ 0.50% · 4.625%
HK$15,053
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,380/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$14,855
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,253
−HK$404/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$826/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,314/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).