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$7,450
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,682
−HK$236/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,399
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,836/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$8,288
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$225/mo
Today · 4.125%
HK$8,736
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,472/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$8,940
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,218
−HK$283/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,079
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,002/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$9,946
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$270/mo
Today · 4.125%
HK$10,483
baseline
▲ 0.50% · 4.625%
HK$11,036
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,966/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$10,430
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,755
−HK$330/mo
Today · 4.125%
HK$11,085
baseline
▲ 0.50% · 4.625%
HK$11,759
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,170/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$11,604
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,915
−HK$316/mo
Today · 4.125%
HK$12,231
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$644/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,462/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$13,411
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$424/mo
Today · 4.125%
HK$14,252
baseline
▲ 0.50% · 4.625%
HK$15,119
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,504/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$14,919
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$406/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,554
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,450/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).