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$7,478
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,711
−HK$236/mo
Today · 4.125%
HK$7,947
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,894/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$8,320
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$226/mo
Today · 4.125%
HK$8,769
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,538/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$8,974
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$284/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,117
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,074/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$9,983
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$272/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,046/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$10,470
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,795
−HK$331/mo
Today · 4.125%
HK$11,126
baseline
▲ 0.50% · 4.625%
HK$11,803
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,252/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,647
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$317/mo
Today · 4.125%
HK$12,277
baseline
▲ 0.50% · 4.625%
HK$12,924
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,554/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,461
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,880
−HK$425/mo
Today · 4.125%
HK$14,305
baseline
▲ 0.50% · 4.625%
HK$15,176
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,610/mo (50% DSR)
Upfront cash ≈ HK$328K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,975
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$407/mo
Today · 4.125%
HK$15,784
baseline
▲ 0.50% · 4.625%
HK$16,616
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,568/mo (50% DSR)
Upfront cash ≈ HK$328K (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).