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$7,470
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,702
−HK$237/mo
Today · 4.125%
HK$7,939
baseline
▲ 0.50% · 4.625%
HK$8,422
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,878/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$8,310
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$226/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,518/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$8,964
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,243
−HK$283/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,106
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,052/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$9,973
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$271/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$554/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,022/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$10,458
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,783
−HK$331/mo
Today · 4.125%
HK$11,114
baseline
▲ 0.50% · 4.625%
HK$11,790
+HK$676/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,228/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$11,635
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$316/mo
Today · 4.125%
HK$12,263
baseline
▲ 0.50% · 4.625%
HK$12,910
+HK$647/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,526/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$13,446
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,864
−HK$425/mo
Today · 4.125%
HK$14,289
baseline
▲ 0.50% · 4.625%
HK$15,159
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,578/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$14,959
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$407/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$831/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,534/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).