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$7,447
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$235/mo
Today · 4.125%
HK$7,914
baseline
▲ 0.50% · 4.625%
HK$8,396
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,828/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$8,285
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$226/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,193
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,466/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$8,937
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$282/mo
Today · 4.125%
HK$9,497
baseline
▲ 0.50% · 4.625%
HK$10,075
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,994/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$9,942
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$270/mo
Today · 4.125%
HK$10,479
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,958/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$10,426
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,750
−HK$330/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,754
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,160/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,599
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,910
−HK$316/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$644/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,452/mo (50% DSR)
Upfront cash ≈ HK$980K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,405
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$424/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$866/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,492/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$14,913
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$406/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$828/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,438/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).