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$7,480
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$237/mo
Today · 4.125%
HK$7,950
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$483/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$8,545
−HK$227/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$562/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$283/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,120
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,078/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$9,986
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$272/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$656/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$331/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,807
+HK$678/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,258/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$629/mo
▼ 0.25% · 3.875%
HK$11,963
−HK$317/mo
Today · 4.125%
HK$12,280
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,560/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$13,465
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,884
−HK$425/mo
Today · 4.125%
HK$14,309
baseline
▲ 0.50% · 4.625%
HK$15,180
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,618/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$14,979
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$408/mo
Today · 4.125%
HK$15,789
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,578/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).