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$7,456
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,688
−HK$235/mo
Today · 4.125%
HK$7,923
baseline
▲ 0.50% · 4.625%
HK$8,405
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,846/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$8,294
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,517
−HK$225/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,203
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,484/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$8,947
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,225
−HK$283/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,016/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$9,953
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,220
−HK$271/mo
Today · 4.125%
HK$10,491
baseline
▲ 0.50% · 4.625%
HK$11,044
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,982/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$10,438
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$329/mo
Today · 4.125%
HK$11,092
baseline
▲ 0.50% · 4.625%
HK$11,767
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,184/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,612
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,923
−HK$316/mo
Today · 4.125%
HK$12,239
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$646/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,478/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,420
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,838
−HK$424/mo
Today · 4.125%
HK$14,262
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,524/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$14,930
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$406/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,566
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,472/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).