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$7,457
−HK$467/mo
▼ 0.25% · 3.875%
HK$7,689
−HK$235/mo
Today · 4.125%
HK$7,924
baseline
▲ 0.50% · 4.625%
HK$8,406
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,848/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$8,295
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,518
−HK$226/mo
Today · 4.125%
HK$8,744
baseline
▲ 0.50% · 4.625%
HK$9,205
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,488/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$8,948
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$283/mo
Today · 4.125%
HK$9,509
baseline
▲ 0.50% · 4.625%
HK$10,088
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,018/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$9,955
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,222
−HK$270/mo
Today · 4.125%
HK$10,492
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,984/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$10,439
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,764
−HK$330/mo
Today · 4.125%
HK$11,094
baseline
▲ 0.50% · 4.625%
HK$11,769
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,188/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,614
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,925
−HK$316/mo
Today · 4.125%
HK$12,241
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,482/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,422
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$425/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,932
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$407/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,568
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$327K (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).