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$7,472
−HK$468/mo
▼ 0.25% · 3.875%
HK$7,704
−HK$236/mo
Today · 4.125%
HK$7,940
baseline
▲ 0.50% · 4.625%
HK$8,423
+HK$483/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,880/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$8,312
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,535
−HK$226/mo
Today · 4.125%
HK$8,761
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,522/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$8,966
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$283/mo
Today · 4.125%
HK$9,528
baseline
▲ 0.50% · 4.625%
HK$10,108
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,056/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$9,974
−HK$539/mo
▼ 0.25% · 3.875%
HK$10,242
−HK$271/mo
Today · 4.125%
HK$10,513
baseline
▲ 0.50% · 4.625%
HK$11,068
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,026/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$10,460
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$330/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$677/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$22,232/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$11,637
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$317/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$646/mo
Deposit HK$983K · loan HK$2.29M · min. income ≈ HK$24,532/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$13,449
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,867
−HK$425/mo
Today · 4.125%
HK$14,292
baseline
▲ 0.50% · 4.625%
HK$15,162
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,584/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$14,962
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$407/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,601
+HK$831/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,540/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).