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$7,419
−HK$465/mo
▼ 0.25% · 3.875%
HK$7,650
−HK$234/mo
Today · 4.125%
HK$7,884
baseline
▲ 0.50% · 4.625%
HK$8,364
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,768/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$8,254
−HK$446/mo
▼ 0.25% · 3.875%
HK$8,475
−HK$225/mo
Today · 4.125%
HK$8,700
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$458/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,400/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$8,903
−HK$558/mo
▼ 0.25% · 3.875%
HK$9,180
−HK$281/mo
Today · 4.125%
HK$9,461
baseline
▲ 0.50% · 4.625%
HK$10,037
+HK$576/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,922/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$9,905
−HK$535/mo
▼ 0.25% · 3.875%
HK$10,170
−HK$270/mo
Today · 4.125%
HK$10,440
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$550/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,880/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$10,387
−HK$651/mo
▼ 0.25% · 3.875%
HK$10,710
−HK$328/mo
Today · 4.125%
HK$11,038
baseline
▲ 0.50% · 4.625%
HK$11,710
+HK$672/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$22,076/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$11,555
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,865
−HK$315/mo
Today · 4.125%
HK$12,180
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$642/mo
Deposit HK$976K · loan HK$2.28M · min. income ≈ HK$24,360/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$13,355
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,056
+HK$864/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$28,384/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$14,857
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$405/mo
Today · 4.125%
HK$15,660
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$825/mo
Deposit HK$325K · loan HK$2.93M · min. income ≈ HK$31,320/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).