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$7,417
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,648
−HK$234/mo
Today · 4.125%
HK$7,882
baseline
▲ 0.50% · 4.625%
HK$8,362
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,764/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$8,252
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,473
−HK$224/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,156
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,394/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$8,901
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,177
−HK$282/mo
Today · 4.125%
HK$9,459
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,918/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$9,902
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,167
−HK$270/mo
Today · 4.125%
HK$10,437
baseline
▲ 0.50% · 4.625%
HK$10,987
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,874/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$10,384
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,707
−HK$328/mo
Today · 4.125%
HK$11,035
baseline
▲ 0.50% · 4.625%
HK$11,707
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,070/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$11,552
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,862
−HK$314/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,818
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,352/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$13,351
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$422/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,376/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$14,853
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,251
−HK$404/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,310/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).