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$7,446
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,678
−HK$235/mo
Today · 4.125%
HK$7,913
baseline
▲ 0.50% · 4.625%
HK$8,395
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,826/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$8,284
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,506
−HK$226/mo
Today · 4.125%
HK$8,732
baseline
▲ 0.50% · 4.625%
HK$9,192
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,464/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$8,936
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$282/mo
Today · 4.125%
HK$9,496
baseline
▲ 0.50% · 4.625%
HK$10,074
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,992/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$9,941
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$270/mo
Today · 4.125%
HK$10,478
baseline
▲ 0.50% · 4.625%
HK$11,030
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,956/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$10,425
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,749
−HK$330/mo
Today · 4.125%
HK$11,079
baseline
▲ 0.50% · 4.625%
HK$11,753
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,158/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$11,598
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$315/mo
Today · 4.125%
HK$12,224
baseline
▲ 0.50% · 4.625%
HK$12,869
+HK$645/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,448/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$13,404
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$423/mo
Today · 4.125%
HK$14,244
baseline
▲ 0.50% · 4.625%
HK$15,111
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,488/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$14,911
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,311
−HK$406/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,434/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).