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$7,456
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,688
−HK$236/mo
Today · 4.125%
HK$7,924
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,848/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,295
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,517
−HK$226/mo
Today · 4.125%
HK$8,743
baseline
▲ 0.50% · 4.625%
HK$9,204
+HK$461/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,486/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,947
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$282/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,087
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,016/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$9,954
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,221
−HK$271/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,984/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$10,438
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$330/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,768
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,186/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$11,613
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,924
−HK$316/mo
Today · 4.125%
HK$12,240
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,480/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$13,421
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,838
−HK$425/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,130
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,526/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$14,931
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,331
−HK$406/mo
Today · 4.125%
HK$15,737
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,474/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).