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$7,452
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,684
−HK$235/mo
Today · 4.125%
HK$7,919
baseline
▲ 0.50% · 4.625%
HK$8,401
+HK$482/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$448/mo
▼ 0.25% · 3.875%
HK$8,512
−HK$226/mo
Today · 4.125%
HK$8,738
baseline
▲ 0.50% · 4.625%
HK$9,198
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,476/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$561/mo
▼ 0.25% · 3.875%
HK$9,220
−HK$283/mo
Today · 4.125%
HK$9,503
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,006/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$9,948
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$270/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$655/mo
▼ 0.25% · 3.875%
HK$10,757
−HK$330/mo
Today · 4.125%
HK$11,087
baseline
▲ 0.50% · 4.625%
HK$11,761
+HK$674/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$22,174/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$11,606
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,917
−HK$316/mo
Today · 4.125%
HK$12,233
baseline
▲ 0.50% · 4.625%
HK$12,878
+HK$645/mo
Deposit HK$980K · loan HK$2.29M · min. income ≈ HK$24,466/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$13,413
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,830
−HK$424/mo
Today · 4.125%
HK$14,254
baseline
▲ 0.50% · 4.625%
HK$15,122
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,508/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$14,922
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,322
−HK$406/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,456/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).