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$8,520
−HK$225/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$8,950
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$283/mo
Today · 4.125%
HK$9,511
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$579/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$9,957
−HK$537/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$270/mo
Today · 4.125%
HK$10,494
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$554/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$628/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$317/mo
Today · 4.125%
HK$12,244
baseline
▲ 0.50% · 4.625%
HK$12,889
+HK$645/mo
Deposit HK$981K · loan HK$2.29M · min. income ≈ HK$24,488/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$13,425
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$425/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$868/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$28,534/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$14,935
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,335
−HK$407/mo
Today · 4.125%
HK$15,742
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$829/mo
Deposit HK$327K · loan HK$2.94M · min. income ≈ HK$31,484/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).