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$7,455
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,687
−HK$235/mo
Today · 4.125%
HK$7,922
baseline
▲ 0.50% · 4.625%
HK$8,404
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,844/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$8,293
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$226/mo
Today · 4.125%
HK$8,742
baseline
▲ 0.50% · 4.625%
HK$9,202
+HK$460/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$8,946
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,224
−HK$283/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,085
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,014/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$9,952
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,219
−HK$271/mo
Today · 4.125%
HK$10,490
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,980/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$10,437
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,761
−HK$330/mo
Today · 4.125%
HK$11,091
baseline
▲ 0.50% · 4.625%
HK$11,766
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,182/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$11,611
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,922
−HK$316/mo
Today · 4.125%
HK$12,238
baseline
▲ 0.50% · 4.625%
HK$12,883
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,476/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$13,419
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,836
−HK$424/mo
Today · 4.125%
HK$14,260
baseline
▲ 0.50% · 4.625%
HK$15,128
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,520/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$14,928
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,329
−HK$406/mo
Today · 4.125%
HK$15,735
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,470/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).