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$7,444
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,676
−HK$235/mo
Today · 4.125%
HK$7,911
baseline
▲ 0.50% · 4.625%
HK$8,393
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,822/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$8,282
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,504
−HK$225/mo
Today · 4.125%
HK$8,729
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,458/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$8,933
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,211
−HK$282/mo
Today · 4.125%
HK$9,493
baseline
▲ 0.50% · 4.625%
HK$10,071
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,986/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$9,938
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,205
−HK$270/mo
Today · 4.125%
HK$10,475
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,950/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$10,422
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,746
−HK$330/mo
Today · 4.125%
HK$11,076
baseline
▲ 0.50% · 4.625%
HK$11,750
+HK$674/mo
Deposit HK$979K · loan HK$2.29M · min. income ≈ HK$22,152/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$11,595
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,906
−HK$315/mo
Today · 4.125%
HK$12,221
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$644/mo
Deposit HK$979K · loan HK$2.29M · min. income ≈ HK$24,442/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$13,400
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$423/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$867/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,480/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$14,907
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,307
−HK$406/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,426/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).