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$466/mo
▼ 0.25% · 3.875%
HK$7,677
−HK$235/mo
Today · 4.125%
HK$7,912
baseline
▲ 0.50% · 4.625%
HK$8,394
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,824/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$8,283
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,505
−HK$226/mo
Today · 4.125%
HK$8,731
baseline
▲ 0.50% · 4.625%
HK$9,191
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,462/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$8,935
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,213
−HK$282/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,990/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$9,940
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$271/mo
Today · 4.125%
HK$10,477
baseline
▲ 0.50% · 4.625%
HK$11,029
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,954/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$10,424
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,748
−HK$329/mo
Today · 4.125%
HK$11,077
baseline
▲ 0.50% · 4.625%
HK$11,751
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,154/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$11,596
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$316/mo
Today · 4.125%
HK$12,223
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$644/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,446/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$13,402
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,819
−HK$423/mo
Today · 4.125%
HK$14,242
baseline
▲ 0.50% · 4.625%
HK$15,109
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,484/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$14,910
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$406/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,543
+HK$828/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,430/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).