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$468/mo
▼ 0.25% · 3.875%
HK$7,691
−HK$236/mo
Today · 4.125%
HK$7,927
baseline
▲ 0.50% · 4.625%
HK$8,409
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,854/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$449/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$226/mo
Today · 4.125%
HK$8,747
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,494/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$8,951
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$283/mo
Today · 4.125%
HK$9,513
baseline
▲ 0.50% · 4.625%
HK$10,091
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,026/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$9,958
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,225
−HK$271/mo
Today · 4.125%
HK$10,496
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,992/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$10,443
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,768
−HK$330/mo
Today · 4.125%
HK$11,098
baseline
▲ 0.50% · 4.625%
HK$11,773
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,196/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$11,618
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,929
−HK$317/mo
Today · 4.125%
HK$12,246
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,492/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$13,427
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,844
−HK$425/mo
Today · 4.125%
HK$14,269
baseline
▲ 0.50% · 4.625%
HK$15,137
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,538/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$14,937
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$406/mo
Today · 4.125%
HK$15,744
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,488/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).