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$7,484
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,717
−HK$236/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,906/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$8,326
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,549
−HK$227/mo
Today · 4.125%
HK$8,776
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,552/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$8,981
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,260
−HK$284/mo
Today · 4.125%
HK$9,544
baseline
▲ 0.50% · 4.625%
HK$10,125
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,088/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$9,991
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$272/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,086
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,062/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$10,478
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$331/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$677/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,270/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,656
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$317/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,572/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,471
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,890
−HK$426/mo
Today · 4.125%
HK$14,316
baseline
▲ 0.50% · 4.625%
HK$15,187
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,632/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$14,987
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$407/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$833/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,592/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).