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$7,468
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,700
−HK$236/mo
Today · 4.125%
HK$7,936
baseline
▲ 0.50% · 4.625%
HK$8,419
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,872/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$8,308
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$226/mo
Today · 4.125%
HK$8,757
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,514/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$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,240
−HK$284/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$579/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,048/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$9,970
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$271/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,062
+HK$554/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,016/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$10,455
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,780
−HK$331/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,787
+HK$676/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,222/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,631
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$317/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$12,906
+HK$646/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,442
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$424/mo
Today · 4.125%
HK$14,285
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,570/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$14,955
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$407/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,593
+HK$830/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,526/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).