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$7,493
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,726
−HK$237/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,447
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,926/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$8,336
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$227/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,249
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,572/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$8,991
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$284/mo
Today · 4.125%
HK$9,555
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,110/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$10,003
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$272/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,099
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,086/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$10,490
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$332/mo
Today · 4.125%
HK$11,148
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$678/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,296/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$11,670
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$317/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$12,949
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,600/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$13,487
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,906
−HK$427/mo
Today · 4.125%
HK$14,333
baseline
▲ 0.50% · 4.625%
HK$15,205
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,666/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$15,004
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$409/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$833/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,630/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).