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$7,461
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,693
−HK$236/mo
Today · 4.125%
HK$7,929
baseline
▲ 0.50% · 4.625%
HK$8,411
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,858/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$8,300
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$225/mo
Today · 4.125%
HK$8,748
baseline
▲ 0.50% · 4.625%
HK$9,210
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,496/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$8,953
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$283/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,093
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,028/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$9,960
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$271/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,052
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,996/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$10,445
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,770
−HK$330/mo
Today · 4.125%
HK$11,100
baseline
▲ 0.50% · 4.625%
HK$11,776
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,200/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$11,620
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$316/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$645/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,496/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$13,429
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,847
−HK$425/mo
Today · 4.125%
HK$14,272
baseline
▲ 0.50% · 4.625%
HK$15,140
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,544/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$14,940
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$406/mo
Today · 4.125%
HK$15,747
baseline
▲ 0.50% · 4.625%
HK$16,577
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,494/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).