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$7,483
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,715
−HK$237/mo
Today · 4.125%
HK$7,952
baseline
▲ 0.50% · 4.625%
HK$8,436
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,904/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$8,324
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,548
−HK$226/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,237
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,548/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$8,979
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$283/mo
Today · 4.125%
HK$9,542
baseline
▲ 0.50% · 4.625%
HK$10,123
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,084/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$9,989
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$272/mo
Today · 4.125%
HK$10,529
baseline
▲ 0.50% · 4.625%
HK$11,084
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,058/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$10,476
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,802
−HK$331/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,810
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,266/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$11,654
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$317/mo
Today · 4.125%
HK$12,284
baseline
▲ 0.50% · 4.625%
HK$12,931
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,568/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$13,469
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,888
−HK$425/mo
Today · 4.125%
HK$14,313
baseline
▲ 0.50% · 4.625%
HK$15,184
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,626/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$14,984
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$407/mo
Today · 4.125%
HK$15,793
baseline
▲ 0.50% · 4.625%
HK$16,626
+HK$833/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,586/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).