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$7,426
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$235/mo
Today · 4.125%
HK$7,892
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,784/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$8,262
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$225/mo
Today · 4.125%
HK$8,708
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,416/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$8,912
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,189
−HK$281/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$10,047
+HK$577/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,940/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$9,914
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,180
−HK$270/mo
Today · 4.125%
HK$10,450
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,900/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$10,397
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$329/mo
Today · 4.125%
HK$11,049
baseline
▲ 0.50% · 4.625%
HK$11,721
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,098/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$11,566
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,877
−HK$314/mo
Today · 4.125%
HK$12,191
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$643/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,382/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$13,367
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$423/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$864/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,412/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$14,871
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$405/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,350/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).