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$7,486
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,718
−HK$237/mo
Today · 4.125%
HK$7,955
baseline
▲ 0.50% · 4.625%
HK$8,439
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,910/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$8,328
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,551
−HK$227/mo
Today · 4.125%
HK$8,778
baseline
▲ 0.50% · 4.625%
HK$9,240
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,556/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$8,983
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$284/mo
Today · 4.125%
HK$9,546
baseline
▲ 0.50% · 4.625%
HK$10,127
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,092/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$9,993
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$272/mo
Today · 4.125%
HK$10,533
baseline
▲ 0.50% · 4.625%
HK$11,088
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,066/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$10,480
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$331/mo
Today · 4.125%
HK$11,137
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,274/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,659
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$318/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$12,936
+HK$647/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,578/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,474
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,893
−HK$426/mo
Today · 4.125%
HK$14,319
baseline
▲ 0.50% · 4.625%
HK$15,190
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,638/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$14,990
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$408/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,632
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,600/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).