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$7,466
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,698
−HK$236/mo
Today · 4.125%
HK$7,934
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,868/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$8,305
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$226/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,508/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$8,959
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$283/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$580/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,040/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$9,966
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$271/mo
Today · 4.125%
HK$10,505
baseline
▲ 0.50% · 4.625%
HK$11,059
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,010/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$10,452
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,777
−HK$330/mo
Today · 4.125%
HK$11,107
baseline
▲ 0.50% · 4.625%
HK$11,783
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,214/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,628
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$317/mo
Today · 4.125%
HK$12,256
baseline
▲ 0.50% · 4.625%
HK$12,902
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,512/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,438
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,856
−HK$425/mo
Today · 4.125%
HK$14,281
baseline
▲ 0.50% · 4.625%
HK$15,150
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,562/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$14,950
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$406/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,588
+HK$831/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,514/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).