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$7,472
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$236/mo
Today · 4.125%
HK$7,941
baseline
▲ 0.50% · 4.625%
HK$8,424
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,882/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$8,313
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$226/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,524/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$8,967
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$283/mo
Today · 4.125%
HK$9,529
baseline
▲ 0.50% · 4.625%
HK$10,109
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,058/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$9,975
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,243
−HK$271/mo
Today · 4.125%
HK$10,514
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,028/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$10,461
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$330/mo
Today · 4.125%
HK$11,117
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$677/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,234/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,638
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,950
−HK$317/mo
Today · 4.125%
HK$12,267
baseline
▲ 0.50% · 4.625%
HK$12,913
+HK$646/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,534/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,450
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,868
−HK$425/mo
Today · 4.125%
HK$14,293
baseline
▲ 0.50% · 4.625%
HK$15,163
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,586/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$14,963
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$407/mo
Today · 4.125%
HK$15,771
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,542/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).