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$7,435
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,666
−HK$235/mo
Today · 4.125%
HK$7,901
baseline
▲ 0.50% · 4.625%
HK$8,382
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,802/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$8,271
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$225/mo
Today · 4.125%
HK$8,718
baseline
▲ 0.50% · 4.625%
HK$9,177
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,436/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$8,922
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,199
−HK$282/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$10,058
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,962/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$9,925
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$270/mo
Today · 4.125%
HK$10,461
baseline
▲ 0.50% · 4.625%
HK$11,013
+HK$552/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,922/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$10,409
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,732
−HK$329/mo
Today · 4.125%
HK$11,061
baseline
▲ 0.50% · 4.625%
HK$11,734
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,122/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$11,579
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$315/mo
Today · 4.125%
HK$12,205
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,410/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$13,382
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,799
−HK$423/mo
Today · 4.125%
HK$14,222
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,444/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$14,888
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$405/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,384/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).