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$7,415
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,646
−HK$234/mo
Today · 4.125%
HK$7,880
baseline
▲ 0.50% · 4.625%
HK$8,360
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,760/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$8,250
−HK$445/mo
▼ 0.25% · 3.875%
HK$8,471
−HK$224/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,154
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,390/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$8,898
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,175
−HK$282/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$10,032
+HK$575/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,914/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$9,899
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,165
−HK$269/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$10,984
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,868/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$10,382
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,704
−HK$329/mo
Today · 4.125%
HK$11,033
baseline
▲ 0.50% · 4.625%
HK$11,704
+HK$671/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,066/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$11,549
−HK$624/mo
▼ 0.25% · 3.875%
HK$11,859
−HK$314/mo
Today · 4.125%
HK$12,173
baseline
▲ 0.50% · 4.625%
HK$12,815
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,346/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$13,348
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,763
−HK$422/mo
Today · 4.125%
HK$14,185
baseline
▲ 0.50% · 4.625%
HK$15,048
+HK$863/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,370/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$14,849
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$404/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,302/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).