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$7,451
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$236/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,838/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$8,290
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,512
−HK$225/mo
Today · 4.125%
HK$8,737
baseline
▲ 0.50% · 4.625%
HK$9,198
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,474/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$8,942
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,220
−HK$282/mo
Today · 4.125%
HK$9,502
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,004/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$9,947
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$271/mo
Today · 4.125%
HK$10,485
baseline
▲ 0.50% · 4.625%
HK$11,038
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,970/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$10,432
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$330/mo
Today · 4.125%
HK$11,086
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$675/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,172/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$11,605
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$315/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$645/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,464/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$13,412
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,830
−HK$423/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,506/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$14,921
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$406/mo
Today · 4.125%
HK$15,727
baseline
▲ 0.50% · 4.625%
HK$16,556
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,454/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).