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$7,416
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,647
−HK$234/mo
Today · 4.125%
HK$7,881
baseline
▲ 0.50% · 4.625%
HK$8,361
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,762/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$8,251
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,472
−HK$224/mo
Today · 4.125%
HK$8,696
baseline
▲ 0.50% · 4.625%
HK$9,155
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,392/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$8,900
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,176
−HK$282/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$10,033
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,916/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$9,901
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,166
−HK$270/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$10,986
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,872/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$10,383
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,706
−HK$328/mo
Today · 4.125%
HK$11,034
baseline
▲ 0.50% · 4.625%
HK$11,705
+HK$671/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,068/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$11,551
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,861
−HK$314/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,817
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,350/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$13,349
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$422/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,374/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$14,851
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,249
−HK$405/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,308/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).