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$7,426
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,657
−HK$234/mo
Today · 4.125%
HK$7,891
baseline
▲ 0.50% · 4.625%
HK$8,372
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,782/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$8,261
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,483
−HK$224/mo
Today · 4.125%
HK$8,707
baseline
▲ 0.50% · 4.625%
HK$9,166
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,414/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$8,911
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,188
−HK$282/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,940/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$9,913
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,179
−HK$270/mo
Today · 4.125%
HK$10,449
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,898/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$10,396
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,720
−HK$328/mo
Today · 4.125%
HK$11,048
baseline
▲ 0.50% · 4.625%
HK$11,720
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,096/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,566
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,876
−HK$314/mo
Today · 4.125%
HK$12,190
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$643/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,380/mo (50% DSR)
Upfront cash ≈ HK$977K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$423/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$864/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,410/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$14,870
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,269
−HK$404/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,346/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).