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$7,448
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,680
−HK$235/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,830/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$8,286
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$226/mo
Today · 4.125%
HK$8,734
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,468/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$8,938
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$282/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,996/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$9,943
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$271/mo
Today · 4.125%
HK$10,481
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,962/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$10,428
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,752
−HK$329/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,756
+HK$675/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,162/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$11,601
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,912
−HK$315/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$645/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,454/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$13,407
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,824
−HK$424/mo
Today · 4.125%
HK$14,248
baseline
▲ 0.50% · 4.625%
HK$15,115
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,496/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$14,915
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$406/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$828/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,442/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).