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$7,455
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,687
−HK$236/mo
Today · 4.125%
HK$7,923
baseline
▲ 0.50% · 4.625%
HK$8,405
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,846/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$8,294
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$226/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,203
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,484/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$8,946
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,224
−HK$283/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,014/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$9,952
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,219
−HK$271/mo
Today · 4.125%
HK$10,490
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,980/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$10,437
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,762
−HK$330/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$674/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,184/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$11,611
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,923
−HK$315/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,884
+HK$646/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,476/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$13,419
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$424/mo
Today · 4.125%
HK$14,261
baseline
▲ 0.50% · 4.625%
HK$15,128
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,522/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$14,929
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$406/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,565
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,470/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).