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$7,437
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,668
−HK$236/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,384
+HK$480/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,808/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$8,274
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$225/mo
Today · 4.125%
HK$8,721
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,442/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$8,925
−HK$559/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$282/mo
Today · 4.125%
HK$9,484
baseline
▲ 0.50% · 4.625%
HK$10,061
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,968/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,928
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$270/mo
Today · 4.125%
HK$10,465
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$552/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,930/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,412
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,736
−HK$329/mo
Today · 4.125%
HK$11,065
baseline
▲ 0.50% · 4.625%
HK$11,738
+HK$673/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$22,130/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$11,583
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$315/mo
Today · 4.125%
HK$12,209
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$644/mo
Deposit HK$978K · loan HK$2.28M · min. income ≈ HK$24,418/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$13,387
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$423/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,452/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$14,893
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$405/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,394/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).