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$7,477
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,710
−HK$236/mo
Today · 4.125%
HK$7,946
baseline
▲ 0.50% · 4.625%
HK$8,430
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,892/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$8,318
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$227/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,230
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,536/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$8,973
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$283/mo
Today · 4.125%
HK$9,535
baseline
▲ 0.50% · 4.625%
HK$10,115
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,070/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$9,982
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$271/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,042/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$10,468
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$330/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,646
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$317/mo
Today · 4.125%
HK$12,275
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$647/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$24,550/mo (50% DSR)
Upfront cash ≈ HK$984K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,459
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,877
−HK$426/mo
Today · 4.125%
HK$14,303
baseline
▲ 0.50% · 4.625%
HK$15,173
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,606/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$14,973
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$408/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,564/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).