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$7,496
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,730
−HK$237/mo
Today · 4.125%
HK$7,967
baseline
▲ 0.50% · 4.625%
HK$8,451
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,934/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$8,340
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,563
−HK$227/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,254
+HK$464/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,580/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$8,996
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$284/mo
Today · 4.125%
HK$9,560
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,120/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,008
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,276
−HK$272/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,104
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,096/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,495
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$331/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$679/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,306/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,676
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$317/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,612/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,494
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,913
−HK$427/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,212
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,680/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,012
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$409/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,646/mo (50% DSR)
Upfront cash ≈ HK$329K (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).