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$7,442
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,673
−HK$235/mo
Today · 4.125%
HK$7,908
baseline
▲ 0.50% · 4.625%
HK$8,390
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,816/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$8,279
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,501
−HK$225/mo
Today · 4.125%
HK$8,726
baseline
▲ 0.50% · 4.625%
HK$9,186
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,452/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$8,930
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$282/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$10,068
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,980/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$9,935
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$270/mo
Today · 4.125%
HK$10,471
baseline
▲ 0.50% · 4.625%
HK$11,023
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,942/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$10,419
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,743
−HK$329/mo
Today · 4.125%
HK$11,072
baseline
▲ 0.50% · 4.625%
HK$11,746
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,144/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,590
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$316/mo
Today · 4.125%
HK$12,217
baseline
▲ 0.50% · 4.625%
HK$12,861
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,434/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,395
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$423/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,470/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$14,902
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,302
−HK$405/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,414/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).