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$7,463
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,695
−HK$236/mo
Today · 4.125%
HK$7,931
baseline
▲ 0.50% · 4.625%
HK$8,414
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,862/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$8,303
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$226/mo
Today · 4.125%
HK$8,751
baseline
▲ 0.50% · 4.625%
HK$9,213
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,502/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$8,956
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$283/mo
Today · 4.125%
HK$9,517
baseline
▲ 0.50% · 4.625%
HK$10,097
+HK$580/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,034/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$9,963
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$272/mo
Today · 4.125%
HK$10,502
baseline
▲ 0.50% · 4.625%
HK$11,055
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,004/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$10,448
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,773
−HK$331/mo
Today · 4.125%
HK$11,104
baseline
▲ 0.50% · 4.625%
HK$11,779
+HK$675/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,208/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$316/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$982K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,434
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$424/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$327K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,945
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$406/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,583
+HK$831/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$327K (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).