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$7,448
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,679
−HK$236/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,396
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,830/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$8,285
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$225/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,193
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,466/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$8,937
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,215
−HK$283/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$10,075
+HK$577/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,996/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$9,942
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$271/mo
Today · 4.125%
HK$10,480
baseline
▲ 0.50% · 4.625%
HK$11,032
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,960/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$10,427
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$329/mo
Today · 4.125%
HK$11,080
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$675/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,160/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$11,600
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$315/mo
Today · 4.125%
HK$12,226
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$645/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,452/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$13,406
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$423/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$15,113
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,492/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$14,914
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$405/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,438/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).