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$7,432
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,663
−HK$235/mo
Today · 4.125%
HK$7,898
baseline
▲ 0.50% · 4.625%
HK$8,378
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,796/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$8,268
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$224/mo
Today · 4.125%
HK$8,714
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,428/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$8,918
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$281/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,954/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$9,921
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,187
−HK$270/mo
Today · 4.125%
HK$10,457
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$552/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,914/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$10,405
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,728
−HK$329/mo
Today · 4.125%
HK$11,057
baseline
▲ 0.50% · 4.625%
HK$11,730
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,114/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$11,575
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,885
−HK$315/mo
Today · 4.125%
HK$12,200
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,400/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$13,377
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,793
−HK$423/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$15,081
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,432/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$14,882
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,281
−HK$405/mo
Today · 4.125%
HK$15,686
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,372/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).