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$7,475
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,707
−HK$237/mo
Today · 4.125%
HK$7,944
baseline
▲ 0.50% · 4.625%
HK$8,427
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,888/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$8,316
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,539
−HK$226/mo
Today · 4.125%
HK$8,765
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,530/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$8,970
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,249
−HK$283/mo
Today · 4.125%
HK$9,532
baseline
▲ 0.50% · 4.625%
HK$10,112
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,064/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$9,979
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,247
−HK$271/mo
Today · 4.125%
HK$10,518
baseline
▲ 0.50% · 4.625%
HK$11,073
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,036/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$10,465
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,790
−HK$331/mo
Today · 4.125%
HK$11,121
baseline
▲ 0.50% · 4.625%
HK$11,798
+HK$677/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,242/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$11,642
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$317/mo
Today · 4.125%
HK$12,271
baseline
▲ 0.50% · 4.625%
HK$12,918
+HK$647/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,542/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$13,455
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,873
−HK$426/mo
Today · 4.125%
HK$14,299
baseline
▲ 0.50% · 4.625%
HK$15,169
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,598/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$14,968
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,370
−HK$407/mo
Today · 4.125%
HK$15,777
baseline
▲ 0.50% · 4.625%
HK$16,609
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,554/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).