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$7,468
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,701
−HK$236/mo
Today · 4.125%
HK$7,937
baseline
▲ 0.50% · 4.625%
HK$8,420
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,874/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$8,309
−HK$448/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$226/mo
Today · 4.125%
HK$8,757
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,514/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$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$283/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,048/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$9,970
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$271/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$554/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,018/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$10,456
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,781
−HK$330/mo
Today · 4.125%
HK$11,111
baseline
▲ 0.50% · 4.625%
HK$11,788
+HK$677/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,222/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,632
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$316/mo
Today · 4.125%
HK$12,260
baseline
▲ 0.50% · 4.625%
HK$12,907
+HK$647/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,520/mo (50% DSR)
Upfront cash ≈ HK$983K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,443
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,861
−HK$425/mo
Today · 4.125%
HK$14,286
baseline
▲ 0.50% · 4.625%
HK$15,155
+HK$869/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,572/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$14,955
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,356
−HK$407/mo
Today · 4.125%
HK$15,763
baseline
▲ 0.50% · 4.625%
HK$16,594
+HK$831/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,526/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).