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$7,413
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,643
−HK$235/mo
Today · 4.125%
HK$7,878
baseline
▲ 0.50% · 4.625%
HK$8,357
+HK$479/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,756/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$8,247
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,468
−HK$224/mo
Today · 4.125%
HK$8,692
baseline
▲ 0.50% · 4.625%
HK$9,150
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,384/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$8,895
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,172
−HK$281/mo
Today · 4.125%
HK$9,453
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,906/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$9,896
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,161
−HK$270/mo
Today · 4.125%
HK$10,431
baseline
▲ 0.50% · 4.625%
HK$10,981
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,862/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$10,378
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,701
−HK$328/mo
Today · 4.125%
HK$11,029
baseline
▲ 0.50% · 4.625%
HK$11,700
+HK$671/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$22,058/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,545
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,855
−HK$314/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,811
+HK$642/mo
Deposit HK$975K · loan HK$2.28M · min. income ≈ HK$24,338/mo (50% DSR)
Upfront cash ≈ HK$975K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,343
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,758
−HK$422/mo
Today · 4.125%
HK$14,180
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,360/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$14,844
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$404/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,471
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,292/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).