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$7,449
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,681
−HK$235/mo
Today · 4.125%
HK$7,916
baseline
▲ 0.50% · 4.625%
HK$8,398
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,832/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$8,287
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,509
−HK$226/mo
Today · 4.125%
HK$8,735
baseline
▲ 0.50% · 4.625%
HK$9,195
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,470/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$8,939
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$282/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,998/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$9,944
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,211
−HK$271/mo
Today · 4.125%
HK$10,482
baseline
▲ 0.50% · 4.625%
HK$11,034
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,964/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$10,429
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,753
−HK$330/mo
Today · 4.125%
HK$11,083
baseline
▲ 0.50% · 4.625%
HK$11,757
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,166/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$11,602
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,913
−HK$316/mo
Today · 4.125%
HK$12,229
baseline
▲ 0.50% · 4.625%
HK$12,873
+HK$644/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,458/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$13,408
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,825
−HK$424/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,498/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$14,917
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$406/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$828/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,446/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).