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$7,424
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$235/mo
Today · 4.125%
HK$7,890
baseline
▲ 0.50% · 4.625%
HK$8,370
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,780/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$8,259
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,481
−HK$225/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,412/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$8,909
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$282/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,936/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$9,911
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,177
−HK$270/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,894/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$10,394
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$329/mo
Today · 4.125%
HK$11,046
baseline
▲ 0.50% · 4.625%
HK$11,718
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,092/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,563
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,873
−HK$315/mo
Today · 4.125%
HK$12,188
baseline
▲ 0.50% · 4.625%
HK$12,830
+HK$642/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,376/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,363
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,779
−HK$422/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$15,066
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,402/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$14,867
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$405/mo
Today · 4.125%
HK$15,670
baseline
▲ 0.50% · 4.625%
HK$16,496
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,340/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).