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$7,464
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,697
−HK$235/mo
Today · 4.125%
HK$7,932
baseline
▲ 0.50% · 4.625%
HK$8,415
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,864/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$8,304
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$226/mo
Today · 4.125%
HK$8,753
baseline
▲ 0.50% · 4.625%
HK$9,214
+HK$461/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,506/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$8,957
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,236
−HK$283/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$579/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$19,038/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$9,965
−HK$538/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$271/mo
Today · 4.125%
HK$10,503
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$554/mo
Deposit HK$1.31M · loan HK$1.96M · min. income ≈ HK$21,006/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$10,450
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,775
−HK$330/mo
Today · 4.125%
HK$11,105
baseline
▲ 0.50% · 4.625%
HK$11,781
+HK$676/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$22,210/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$11,626
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$317/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$646/mo
Deposit HK$982K · loan HK$2.29M · min. income ≈ HK$24,508/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$13,436
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,854
−HK$424/mo
Today · 4.125%
HK$14,278
baseline
▲ 0.50% · 4.625%
HK$15,147
+HK$869/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$28,556/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$14,947
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$407/mo
Today · 4.125%
HK$15,755
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$830/mo
Deposit HK$327K · loan HK$2.95M · min. income ≈ HK$31,510/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).