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$7,424
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,655
−HK$234/mo
Today · 4.125%
HK$7,889
baseline
▲ 0.50% · 4.625%
HK$8,369
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,778/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$8,259
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,480
−HK$225/mo
Today · 4.125%
HK$8,705
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,410/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$8,909
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,186
−HK$281/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$10,043
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,934/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$9,911
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,176
−HK$270/mo
Today · 4.125%
HK$10,446
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,892/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$10,393
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,717
−HK$328/mo
Today · 4.125%
HK$11,045
baseline
▲ 0.50% · 4.625%
HK$11,717
+HK$672/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,090/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$11,562
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,872
−HK$315/mo
Today · 4.125%
HK$12,187
baseline
▲ 0.50% · 4.625%
HK$12,829
+HK$642/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,374/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$13,363
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,778
−HK$423/mo
Today · 4.125%
HK$14,201
baseline
▲ 0.50% · 4.625%
HK$15,065
+HK$864/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,402/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$14,866
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,265
−HK$404/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,338/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).