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$7,459
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$235/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,852/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,298
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$226/mo
Today · 4.125%
HK$8,746
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,492/mo (50% DSR)
Upfront cash ≈ HK$1.64M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,950
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$283/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,024/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$9,957
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$271/mo
Today · 4.125%
HK$10,495
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,990/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$10,442
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,767
−HK$330/mo
Today · 4.125%
HK$11,097
baseline
▲ 0.50% · 4.625%
HK$11,772
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,194/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$11,617
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$316/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$646/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,488/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$13,426
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$425/mo
Today · 4.125%
HK$14,268
baseline
▲ 0.50% · 4.625%
HK$15,136
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,536/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$14,936
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$407/mo
Today · 4.125%
HK$15,743
baseline
▲ 0.50% · 4.625%
HK$16,573
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,486/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).