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$7,473
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,705
−HK$236/mo
Today · 4.125%
HK$7,941
baseline
▲ 0.50% · 4.625%
HK$8,425
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,882/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$8,313
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$226/mo
Today · 4.125%
HK$8,762
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,524/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$8,967
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,246
−HK$284/mo
Today · 4.125%
HK$9,530
baseline
▲ 0.50% · 4.625%
HK$10,109
+HK$579/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,060/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$9,976
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$271/mo
Today · 4.125%
HK$10,515
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$554/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,030/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$10,462
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,787
−HK$331/mo
Today · 4.125%
HK$11,118
baseline
▲ 0.50% · 4.625%
HK$11,794
+HK$676/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,236/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$11,639
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,951
−HK$316/mo
Today · 4.125%
HK$12,267
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$647/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,534/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$13,451
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,869
−HK$425/mo
Today · 4.125%
HK$14,294
baseline
▲ 0.50% · 4.625%
HK$15,164
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,588/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$14,964
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$407/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,544/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).