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$7,680
−HK$235/mo
Today · 4.125%
HK$7,915
baseline
▲ 0.50% · 4.625%
HK$8,397
+HK$482/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$8,286
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,508
−HK$225/mo
Today · 4.125%
HK$8,733
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$461/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$9,216
−HK$282/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$578/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$9,943
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$270/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$654/mo
▼ 0.25% · 3.875%
HK$10,751
−HK$330/mo
Today · 4.125%
HK$11,081
baseline
▲ 0.50% · 4.625%
HK$11,755
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,162/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$627/mo
▼ 0.25% · 3.875%
HK$11,911
−HK$316/mo
Today · 4.125%
HK$12,227
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$644/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,454/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$841/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$424/mo
Today · 4.125%
HK$14,247
baseline
▲ 0.50% · 4.625%
HK$15,114
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,494/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$806/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$406/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,440/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).