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$7,420
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$234/mo
Today · 4.125%
HK$7,885
baseline
▲ 0.50% · 4.625%
HK$8,365
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,770/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$8,255
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,476
−HK$225/mo
Today · 4.125%
HK$8,701
baseline
▲ 0.50% · 4.625%
HK$9,159
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,402/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$8,904
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$281/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,924/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$9,906
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,171
−HK$270/mo
Today · 4.125%
HK$10,441
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,882/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$10,388
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$329/mo
Today · 4.125%
HK$11,040
baseline
▲ 0.50% · 4.625%
HK$11,711
+HK$671/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,080/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$11,557
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,867
−HK$314/mo
Today · 4.125%
HK$12,181
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,362/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$13,356
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$422/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$15,057
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,388/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$14,859
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,257
−HK$404/mo
Today · 4.125%
HK$15,661
baseline
▲ 0.50% · 4.625%
HK$16,487
+HK$826/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,322/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).