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$7,429
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,660
−HK$235/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,790/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$8,265
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,487
−HK$224/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,422/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$8,915
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,192
−HK$282/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$10,051
+HK$577/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,948/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$9,918
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,184
−HK$270/mo
Today · 4.125%
HK$10,454
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,908/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$10,401
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$329/mo
Today · 4.125%
HK$11,053
baseline
▲ 0.50% · 4.625%
HK$11,726
+HK$673/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,106/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,571
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,881
−HK$315/mo
Today · 4.125%
HK$12,196
baseline
▲ 0.50% · 4.625%
HK$12,839
+HK$643/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,392/mo (50% DSR)
Upfront cash ≈ HK$978K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$423/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$15,076
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,422/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$14,877
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$405/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,362/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).