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$7,465
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$236/mo
Today · 4.125%
HK$7,933
baseline
▲ 0.50% · 4.625%
HK$8,416
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,866/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$9,215
+HK$461/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$8,958
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$283/mo
Today · 4.125%
HK$9,520
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$579/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$538/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$271/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,058
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,008/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$10,451
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,776
−HK$331/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$11,627
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,939
−HK$316/mo
Today · 4.125%
HK$12,255
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,510/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$13,437
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,855
−HK$425/mo
Today · 4.125%
HK$14,280
baseline
▲ 0.50% · 4.625%
HK$15,149
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,560/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$14,949
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,350
−HK$407/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$830/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,514/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).