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$7,425
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,656
−HK$234/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$8,260
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,482
−HK$224/mo
Today · 4.125%
HK$8,706
baseline
▲ 0.50% · 4.625%
HK$9,165
+HK$459/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$8,910
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,187
−HK$281/mo
Today · 4.125%
HK$9,468
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$577/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$9,912
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,178
−HK$269/mo
Today · 4.125%
HK$10,447
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$551/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$10,395
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,718
−HK$329/mo
Today · 4.125%
HK$11,047
baseline
▲ 0.50% · 4.625%
HK$11,719
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,094/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$11,564
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,874
−HK$315/mo
Today · 4.125%
HK$12,189
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$642/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,378/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$13,365
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$423/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$15,067
+HK$864/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,406/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$14,868
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,267
−HK$404/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,342/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).