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$7,444
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,675
−HK$235/mo
Today · 4.125%
HK$7,910
baseline
▲ 0.50% · 4.625%
HK$8,392
+HK$482/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$8,281
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$225/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$561/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$283/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$10,070
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,986/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$9,937
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$270/mo
Today · 4.125%
HK$10,474
baseline
▲ 0.50% · 4.625%
HK$11,026
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,948/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$10,421
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,745
−HK$330/mo
Today · 4.125%
HK$11,075
baseline
▲ 0.50% · 4.625%
HK$11,748
+HK$673/mo
Deposit HK$979K · loan HK$2.29M · min. income ≈ HK$22,150/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$11,593
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,904
−HK$316/mo
Today · 4.125%
HK$12,220
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$644/mo
Deposit HK$979K · loan HK$2.29M · min. income ≈ HK$24,440/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$13,399
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,815
−HK$424/mo
Today · 4.125%
HK$14,239
baseline
▲ 0.50% · 4.625%
HK$15,105
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,478/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$14,906
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$405/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,539
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,422/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).