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$7,440
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,671
−HK$236/mo
Today · 4.125%
HK$7,907
baseline
▲ 0.50% · 4.625%
HK$8,388
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,814/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$8,277
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$225/mo
Today · 4.125%
HK$8,724
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,448/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$8,928
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,206
−HK$282/mo
Today · 4.125%
HK$9,488
baseline
▲ 0.50% · 4.625%
HK$10,065
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,976/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$9,932
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,199
−HK$270/mo
Today · 4.125%
HK$10,469
baseline
▲ 0.50% · 4.625%
HK$11,021
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,938/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$10,416
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,740
−HK$329/mo
Today · 4.125%
HK$11,069
baseline
▲ 0.50% · 4.625%
HK$11,743
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,138/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$11,588
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,898
−HK$316/mo
Today · 4.125%
HK$12,214
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,428/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$13,392
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,809
−HK$423/mo
Today · 4.125%
HK$14,232
baseline
▲ 0.50% · 4.625%
HK$15,098
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,464/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$14,898
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$405/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,406/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).