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$469/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$236/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,417
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,870/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$8,306
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,529
−HK$226/mo
Today · 4.125%
HK$8,755
baseline
▲ 0.50% · 4.625%
HK$9,216
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,510/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$8,960
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$283/mo
Today · 4.125%
HK$9,521
baseline
▲ 0.50% · 4.625%
HK$10,101
+HK$580/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,042/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$9,967
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$271/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,012/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$10,453
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,778
−HK$330/mo
Today · 4.125%
HK$11,108
baseline
▲ 0.50% · 4.625%
HK$11,784
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,216/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$11,629
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,941
−HK$316/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$12,903
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,514/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$13,439
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,857
−HK$425/mo
Today · 4.125%
HK$14,282
baseline
▲ 0.50% · 4.625%
HK$15,151
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,564/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$14,951
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$407/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,590
+HK$831/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,518/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).