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$7,418
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,649
−HK$234/mo
Today · 4.125%
HK$7,883
baseline
▲ 0.50% · 4.625%
HK$8,363
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,766/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$446/mo
▼ 0.25% · 3.875%
HK$8,474
−HK$224/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,157
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,396/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$559/mo
▼ 0.25% · 3.875%
HK$9,178
−HK$282/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,920/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$9,903
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,168
−HK$270/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,876/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$10,385
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,708
−HK$328/mo
Today · 4.125%
HK$11,036
baseline
▲ 0.50% · 4.625%
HK$11,708
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,072/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$11,553
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,863
−HK$314/mo
Today · 4.125%
HK$12,177
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,354/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$13,352
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$422/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$15,053
+HK$864/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,378/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$14,854
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$405/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,314/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).