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$7,476
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,709
−HK$236/mo
Today · 4.125%
HK$7,945
baseline
▲ 0.50% · 4.625%
HK$8,429
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,890/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$8,317
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,540
−HK$227/mo
Today · 4.125%
HK$8,767
baseline
▲ 0.50% · 4.625%
HK$9,229
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,534/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$8,972
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,251
−HK$283/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,114
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,068/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$9,981
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$271/mo
Today · 4.125%
HK$10,520
baseline
▲ 0.50% · 4.625%
HK$11,075
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,040/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$10,467
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,793
−HK$330/mo
Today · 4.125%
HK$11,123
baseline
▲ 0.50% · 4.625%
HK$11,800
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,246/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$11,644
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,957
−HK$316/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$12,920
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,546/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$13,457
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,876
−HK$425/mo
Today · 4.125%
HK$14,301
baseline
▲ 0.50% · 4.625%
HK$15,172
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,602/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$14,971
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,373
−HK$407/mo
Today · 4.125%
HK$15,780
baseline
▲ 0.50% · 4.625%
HK$16,612
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,560/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).