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$7,454
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,686
−HK$236/mo
Today · 4.125%
HK$7,922
baseline
▲ 0.50% · 4.625%
HK$8,404
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,844/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$8,293
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,515
−HK$226/mo
Today · 4.125%
HK$8,741
baseline
▲ 0.50% · 4.625%
HK$9,201
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,482/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$8,945
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$283/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,084
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,012/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$9,951
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$271/mo
Today · 4.125%
HK$10,489
baseline
▲ 0.50% · 4.625%
HK$11,042
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,978/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$10,436
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,760
−HK$330/mo
Today · 4.125%
HK$11,090
baseline
▲ 0.50% · 4.625%
HK$11,765
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,180/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$11,610
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$316/mo
Today · 4.125%
HK$12,237
baseline
▲ 0.50% · 4.625%
HK$12,882
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,474/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$13,417
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$424/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,126
+HK$867/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,518/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$14,927
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,327
−HK$406/mo
Today · 4.125%
HK$15,733
baseline
▲ 0.50% · 4.625%
HK$16,563
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,466/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).