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$7,483
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,716
−HK$236/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,436
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,904/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$8,325
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,548
−HK$226/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,237
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,548/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$8,980
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$284/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,086/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$9,990
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,258
−HK$271/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,058/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$10,476
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,802
−HK$331/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,266/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,655
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$317/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$12,932
+HK$648/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,568/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,469
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$426/mo
Today · 4.125%
HK$14,314
baseline
▲ 0.50% · 4.625%
HK$15,185
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,628/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$14,984
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$408/mo
Today · 4.125%
HK$15,794
baseline
▲ 0.50% · 4.625%
HK$16,627
+HK$833/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,588/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).