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$7,464
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,696
−HK$236/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,415
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,864/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$8,304
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$226/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,214
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,504/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$8,957
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,235
−HK$284/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,038/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$9,964
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$271/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,006/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$10,450
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$330/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,210/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$11,625
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$316/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,899
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,506/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$13,435
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,853
−HK$425/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,556/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$14,947
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$406/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$831/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,508/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).