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$7,429
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,660
−HK$235/mo
Today · 4.125%
HK$7,895
baseline
▲ 0.50% · 4.625%
HK$8,375
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,790/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$8,264
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,486
−HK$225/mo
Today · 4.125%
HK$8,711
baseline
▲ 0.50% · 4.625%
HK$9,170
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,422/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$8,914
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,192
−HK$281/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$577/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$18,946/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$9,917
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,183
−HK$270/mo
Today · 4.125%
HK$10,453
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$551/mo
Deposit HK$1.30M · loan HK$1.95M · min. income ≈ HK$20,906/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$10,400
−HK$652/mo
▼ 0.25% · 3.875%
HK$10,724
−HK$328/mo
Today · 4.125%
HK$11,052
baseline
▲ 0.50% · 4.625%
HK$11,725
+HK$673/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$22,104/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$11,570
−HK$625/mo
▼ 0.25% · 3.875%
HK$11,880
−HK$315/mo
Today · 4.125%
HK$12,195
baseline
▲ 0.50% · 4.625%
HK$12,838
+HK$643/mo
Deposit HK$977K · loan HK$2.28M · min. income ≈ HK$24,390/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$13,372
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$422/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$15,075
+HK$865/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$28,420/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$14,876
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,275
−HK$405/mo
Today · 4.125%
HK$15,680
baseline
▲ 0.50% · 4.625%
HK$16,506
+HK$826/mo
Deposit HK$326K · loan HK$2.93M · min. income ≈ HK$31,360/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).