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$7,443
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$235/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,820/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$8,280
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$226/mo
Today · 4.125%
HK$8,728
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,456/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$8,932
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$283/mo
Today · 4.125%
HK$9,492
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,984/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$9,936
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,203
−HK$270/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,946/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$10,420
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$330/mo
Today · 4.125%
HK$11,074
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,148/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$11,592
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$316/mo
Today · 4.125%
HK$12,219
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,438/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$13,398
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$424/mo
Today · 4.125%
HK$14,238
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,476/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$14,905
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$406/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,420/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).