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$7,479
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,712
−HK$236/mo
Today · 4.125%
HK$7,948
baseline
▲ 0.50% · 4.625%
HK$8,432
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,896/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$8,320
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$227/mo
Today · 4.125%
HK$8,770
baseline
▲ 0.50% · 4.625%
HK$9,232
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,540/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$8,975
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$284/mo
Today · 4.125%
HK$9,538
baseline
▲ 0.50% · 4.625%
HK$10,118
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,076/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$9,984
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,252
−HK$272/mo
Today · 4.125%
HK$10,524
baseline
▲ 0.50% · 4.625%
HK$11,078
+HK$554/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,048/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$10,471
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,796
−HK$331/mo
Today · 4.125%
HK$11,127
baseline
▲ 0.50% · 4.625%
HK$11,804
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,254/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$11,648
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,961
−HK$317/mo
Today · 4.125%
HK$12,278
baseline
▲ 0.50% · 4.625%
HK$12,925
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,556/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$13,462
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,881
−HK$425/mo
Today · 4.125%
HK$14,306
baseline
▲ 0.50% · 4.625%
HK$15,177
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,612/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$14,976
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$408/mo
Today · 4.125%
HK$15,786
baseline
▲ 0.50% · 4.625%
HK$16,618
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,572/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).