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$7,436
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,667
−HK$235/mo
Today · 4.125%
HK$7,902
baseline
▲ 0.50% · 4.625%
HK$8,383
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,804/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$8,272
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$225/mo
Today · 4.125%
HK$8,719
baseline
▲ 0.50% · 4.625%
HK$9,179
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,438/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$8,923
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$282/mo
Today · 4.125%
HK$9,483
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,966/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$9,927
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,193
−HK$270/mo
Today · 4.125%
HK$10,463
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$552/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,926/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$10,410
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,734
−HK$329/mo
Today · 4.125%
HK$11,063
baseline
▲ 0.50% · 4.625%
HK$11,736
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,126/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$11,581
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,892
−HK$315/mo
Today · 4.125%
HK$12,207
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$644/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,414/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$13,385
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$423/mo
Today · 4.125%
HK$14,224
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$866/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,448/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$14,890
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$405/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,390/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).