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$7,431
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,662
−HK$235/mo
Today · 4.125%
HK$7,897
baseline
▲ 0.50% · 4.625%
HK$8,377
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,794/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$8,267
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,489
−HK$224/mo
Today · 4.125%
HK$8,713
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,426/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$8,917
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$281/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$10,053
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,952/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$9,920
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$270/mo
Today · 4.125%
HK$10,456
baseline
▲ 0.50% · 4.625%
HK$11,007
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,912/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$10,403
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,727
−HK$329/mo
Today · 4.125%
HK$11,056
baseline
▲ 0.50% · 4.625%
HK$11,728
+HK$672/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,112/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$11,574
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$315/mo
Today · 4.125%
HK$12,199
baseline
▲ 0.50% · 4.625%
HK$12,842
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,398/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$13,376
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$422/mo
Today · 4.125%
HK$14,214
baseline
▲ 0.50% · 4.625%
HK$15,079
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,428/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$14,880
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,279
−HK$405/mo
Today · 4.125%
HK$15,684
baseline
▲ 0.50% · 4.625%
HK$16,511
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,368/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).