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$7,481
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,714
−HK$236/mo
Today · 4.125%
HK$7,950
baseline
▲ 0.50% · 4.625%
HK$8,434
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,900/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$8,322
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$226/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,234
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,544/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$8,977
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$284/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,080/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$9,987
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$271/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,081
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,052/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$10,473
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,799
−HK$331/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,807
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,260/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,651
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$317/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$12,928
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,562/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,466
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$426/mo
Today · 4.125%
HK$14,310
baseline
▲ 0.50% · 4.625%
HK$15,181
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,620/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$14,980
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$408/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,622
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,580/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).