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$7,500
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,733
−HK$237/mo
Today · 4.125%
HK$7,970
baseline
▲ 0.50% · 4.625%
HK$8,455
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,940/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$8,344
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$227/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,258
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,590/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$9,000
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,280
−HK$284/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,146
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,128/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$10,012
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,281
−HK$272/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,110
+HK$557/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,106/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$10,500
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,827
−HK$332/mo
Today · 4.125%
HK$11,159
baseline
▲ 0.50% · 4.625%
HK$11,838
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,318/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,681
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,995
−HK$317/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$12,961
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,624/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,500
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,920
−HK$427/mo
Today · 4.125%
HK$14,347
baseline
▲ 0.50% · 4.625%
HK$15,220
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,694/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$15,019
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,422
−HK$408/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,665
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,660/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).