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$7,452
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$235/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,401
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,838/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$8,290
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$225/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,199
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,476/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$8,942
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$282/mo
Today · 4.125%
HK$9,503
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,006/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,948
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$271/mo
Today · 4.125%
HK$10,486
baseline
▲ 0.50% · 4.625%
HK$11,039
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,972/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,433
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$330/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,762
+HK$675/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,174/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,606
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$316/mo
Today · 4.125%
HK$12,234
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$644/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,468/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,414
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$424/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,122
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,923
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$406/mo
Today · 4.125%
HK$15,729
baseline
▲ 0.50% · 4.625%
HK$16,558
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,458/mo (50% DSR)
Upfront cash ≈ HK$327K (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).