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$7,458
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,690
−HK$236/mo
Today · 4.125%
HK$7,926
baseline
▲ 0.50% · 4.625%
HK$8,408
+HK$482/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,852/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$8,297
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$226/mo
Today · 4.125%
HK$8,745
baseline
▲ 0.50% · 4.625%
HK$9,206
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,490/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$8,949
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$283/mo
Today · 4.125%
HK$9,511
baseline
▲ 0.50% · 4.625%
HK$10,089
+HK$578/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,022/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$9,956
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$271/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$553/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$20,988/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$10,441
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,766
−HK$330/mo
Today · 4.125%
HK$11,096
baseline
▲ 0.50% · 4.625%
HK$11,771
+HK$675/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$22,192/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,616
−HK$627/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$316/mo
Today · 4.125%
HK$12,243
baseline
▲ 0.50% · 4.625%
HK$12,888
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,486/mo (50% DSR)
Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,424
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$424/mo
Today · 4.125%
HK$14,266
baseline
▲ 0.50% · 4.625%
HK$15,134
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,532/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$14,934
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,335
−HK$406/mo
Today · 4.125%
HK$15,741
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$830/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,482/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).