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$7,438
−HK$466/mo
▼ 0.25% · 3.875%
HK$7,669
−HK$235/mo
Today · 4.125%
HK$7,904
baseline
▲ 0.50% · 4.625%
HK$8,385
+HK$481/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$448/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$226/mo
Today · 4.125%
HK$8,722
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$459/mo
Deposit HK$1.63M · loan HK$1.63M · min. income ≈ HK$17,444/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$560/mo
▼ 0.25% · 3.875%
HK$9,203
−HK$282/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$10,062
+HK$577/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$18,970/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$9,929
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$270/mo
Today · 4.125%
HK$10,466
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$551/mo
Deposit HK$1.30M · loan HK$1.96M · min. income ≈ HK$20,932/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$10,413
−HK$653/mo
▼ 0.25% · 3.875%
HK$10,737
−HK$329/mo
Today · 4.125%
HK$11,066
baseline
▲ 0.50% · 4.625%
HK$11,739
+HK$673/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$22,132/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$11,584
−HK$626/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$315/mo
Today · 4.125%
HK$12,210
baseline
▲ 0.50% · 4.625%
HK$12,854
+HK$644/mo
Deposit HK$979K · loan HK$2.28M · min. income ≈ HK$24,420/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$13,388
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$424/mo
Today · 4.125%
HK$14,228
baseline
▲ 0.50% · 4.625%
HK$15,093
+HK$865/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$28,456/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$14,894
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$405/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,526
+HK$827/mo
Deposit HK$326K · loan HK$2.94M · min. income ≈ HK$31,398/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).