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$7,464
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,696
−HK$236/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,864/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$8,303
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$226/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,213
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,504/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$8,956
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,235
−HK$283/mo
Today · 4.125%
HK$9,518
baseline
▲ 0.50% · 4.625%
HK$10,097
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,036/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$9,964
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,231
−HK$271/mo
Today · 4.125%
HK$10,502
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,004/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$10,449
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,774
−HK$330/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,780
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,208/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$317/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$645/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,506/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,435
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$425/mo
Today · 4.125%
HK$14,277
baseline
▲ 0.50% · 4.625%
HK$15,146
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,554/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$14,946
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,347
−HK$406/mo
Today · 4.125%
HK$15,753
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$831/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,506/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).