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$7,473
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$237/mo
Today · 4.125%
HK$7,942
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,884/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$8,314
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$226/mo
Today · 4.125%
HK$8,763
baseline
▲ 0.50% · 4.625%
HK$9,225
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,526/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$8,967
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$284/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,110
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,060/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$9,976
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$271/mo
Today · 4.125%
HK$10,515
baseline
▲ 0.50% · 4.625%
HK$11,070
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,030/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$10,462
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,788
−HK$330/mo
Today · 4.125%
HK$11,118
baseline
▲ 0.50% · 4.625%
HK$11,795
+HK$677/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,236/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$11,639
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$317/mo
Today · 4.125%
HK$12,268
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$646/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,536/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$13,451
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,870
−HK$425/mo
Today · 4.125%
HK$14,295
baseline
▲ 0.50% · 4.625%
HK$15,165
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,590/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$14,964
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$407/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$831/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,546/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).