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$7,467
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,699
−HK$236/mo
Today · 4.125%
HK$7,935
baseline
▲ 0.50% · 4.625%
HK$8,418
+HK$483/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$8,307
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$226/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,218
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,512/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$8,961
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,239
−HK$284/mo
Today · 4.125%
HK$9,523
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,046/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$9,969
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$271/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,061
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,014/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$10,454
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,779
−HK$331/mo
Today · 4.125%
HK$11,110
baseline
▲ 0.50% · 4.625%
HK$11,786
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,220/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$11,630
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$316/mo
Today · 4.125%
HK$12,258
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$647/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,516/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$13,441
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,859
−HK$425/mo
Today · 4.125%
HK$14,284
baseline
▲ 0.50% · 4.625%
HK$15,153
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,568/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$14,953
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$407/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$831/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,522/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).