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$467/mo
▼ 0.25% · 3.875%
HK$7,683
−HK$235/mo
Today · 4.125%
HK$7,918
baseline
▲ 0.50% · 4.625%
HK$8,400
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,836/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$8,289
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$226/mo
Today · 4.125%
HK$8,737
baseline
▲ 0.50% · 4.625%
HK$9,197
+HK$460/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$8,941
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$283/mo
Today · 4.125%
HK$9,502
baseline
▲ 0.50% · 4.625%
HK$10,080
+HK$578/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$537/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$270/mo
Today · 4.125%
HK$10,484
baseline
▲ 0.50% · 4.625%
HK$11,037
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,968/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$10,431
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,756
−HK$329/mo
Today · 4.125%
HK$11,085
baseline
▲ 0.50% · 4.625%
HK$11,760
+HK$675/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,170/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$11,916
−HK$316/mo
Today · 4.125%
HK$12,232
baseline
▲ 0.50% · 4.625%
HK$12,876
+HK$644/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$13,829
−HK$424/mo
Today · 4.125%
HK$14,253
baseline
▲ 0.50% · 4.625%
HK$15,120
+HK$867/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$14,920
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$405/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,452/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).