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$469/mo
▼ 0.25% · 3.875%
HK$7,713
−HK$236/mo
Today · 4.125%
HK$7,949
baseline
▲ 0.50% · 4.625%
HK$8,433
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,898/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$8,321
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$226/mo
Today · 4.125%
HK$8,771
baseline
▲ 0.50% · 4.625%
HK$9,233
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,542/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$8,976
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$284/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,119
+HK$580/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$539/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$271/mo
Today · 4.125%
HK$10,525
baseline
▲ 0.50% · 4.625%
HK$11,080
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,050/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$10,472
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,798
−HK$331/mo
Today · 4.125%
HK$11,129
baseline
▲ 0.50% · 4.625%
HK$11,806
+HK$677/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$11,650
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$317/mo
Today · 4.125%
HK$12,279
baseline
▲ 0.50% · 4.625%
HK$12,927
+HK$648/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,558/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$13,464
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,883
−HK$425/mo
Today · 4.125%
HK$14,308
baseline
▲ 0.50% · 4.625%
HK$15,179
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,616/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$809/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$408/mo
Today · 4.125%
HK$15,788
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,576/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).