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$7,478
−HK$468/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$8,319
−HK$449/mo
▼ 0.25% · 3.875%
HK$8,542
−HK$226/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$563/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$284/mo
Today · 4.125%
HK$9,536
baseline
▲ 0.50% · 4.625%
HK$10,116
+HK$580/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,072/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$540/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$272/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,076
+HK$554/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,044/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$10,469
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$331/mo
Today · 4.125%
HK$11,125
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$677/mo
Deposit HK$984K · loan HK$2.30M · min. income ≈ HK$22,250/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$11,959
−HK$316/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$13,460
−HK$844/mo
▼ 0.25% · 3.875%
HK$13,878
−HK$426/mo
Today · 4.125%
HK$14,304
baseline
▲ 0.50% · 4.625%
HK$15,174
+HK$870/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,608/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$14,974
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$408/mo
Today · 4.125%
HK$15,783
baseline
▲ 0.50% · 4.625%
HK$16,615
+HK$832/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,566/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).