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$7,439
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,670
−HK$235/mo
Today · 4.125%
HK$7,905
baseline
▲ 0.50% · 4.625%
HK$8,386
+HK$481/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,810/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$8,276
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$225/mo
Today · 4.125%
HK$8,723
baseline
▲ 0.50% · 4.625%
HK$9,183
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,446/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$8,927
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,204
−HK$282/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$578/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,972/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$9,931
−HK$536/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$270/mo
Today · 4.125%
HK$10,467
baseline
▲ 0.50% · 4.625%
HK$11,019
+HK$552/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,934/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$10,414
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,738
−HK$329/mo
Today · 4.125%
HK$11,067
baseline
▲ 0.50% · 4.625%
HK$11,741
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,134/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,586
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,897
−HK$315/mo
Today · 4.125%
HK$12,212
baseline
▲ 0.50% · 4.625%
HK$12,856
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,424/mo (50% DSR)
Upfront cash ≈ HK$979K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,390
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$424/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$865/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,460/mo (50% DSR)
Upfront cash ≈ HK$326K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,896
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,296
−HK$405/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,529
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,402/mo (50% DSR)
Upfront cash ≈ HK$326K (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).