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$7,434
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,665
−HK$235/mo
Today · 4.125%
HK$7,900
baseline
▲ 0.50% · 4.625%
HK$8,380
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,800/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$8,270
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,492
−HK$225/mo
Today · 4.125%
HK$8,717
baseline
▲ 0.50% · 4.625%
HK$9,176
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,434/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$8,920
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$282/mo
Today · 4.125%
HK$9,480
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$576/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,960/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$9,924
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$270/mo
Today · 4.125%
HK$10,460
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,920/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$10,407
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,731
−HK$329/mo
Today · 4.125%
HK$11,060
baseline
▲ 0.50% · 4.625%
HK$11,733
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,120/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$11,578
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,888
−HK$315/mo
Today · 4.125%
HK$12,203
baseline
▲ 0.50% · 4.625%
HK$12,846
+HK$643/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,406/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$13,380
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$422/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$15,085
+HK$866/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,438/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$14,886
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$405/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$827/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,380/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).