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$7,443
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,674
−HK$235/mo
Today · 4.125%
HK$7,909
baseline
▲ 0.50% · 4.625%
HK$8,391
+HK$482/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$15,818/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$8,280
−HK$447/mo
▼ 0.25% · 3.875%
HK$8,502
−HK$225/mo
Today · 4.125%
HK$8,727
baseline
▲ 0.50% · 4.625%
HK$9,187
+HK$460/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,454/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$8,931
−HK$560/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$282/mo
Today · 4.125%
HK$9,491
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$18,982/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$9,936
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,202
−HK$271/mo
Today · 4.125%
HK$10,473
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$552/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,946/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$10,420
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,744
−HK$329/mo
Today · 4.125%
HK$11,073
baseline
▲ 0.50% · 4.625%
HK$11,747
+HK$674/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,146/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$11,592
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,903
−HK$315/mo
Today · 4.125%
HK$12,218
baseline
▲ 0.50% · 4.625%
HK$12,862
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,436/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$13,397
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,813
−HK$424/mo
Today · 4.125%
HK$14,237
baseline
▲ 0.50% · 4.625%
HK$15,103
+HK$866/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,474/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$14,904
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$406/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,537
+HK$828/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,418/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).