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$7,498
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,731
−HK$237/mo
Today · 4.125%
HK$7,968
baseline
▲ 0.50% · 4.625%
HK$8,453
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,936/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$8,341
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,565
−HK$227/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,584/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$8,997
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$284/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,122/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$10,009
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$272/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,100/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$10,497
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$332/mo
Today · 4.125%
HK$11,155
baseline
▲ 0.50% · 4.625%
HK$11,834
+HK$679/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,310/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$11,677
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$317/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,616/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$13,496
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,916
−HK$426/mo
Today · 4.125%
HK$14,342
baseline
▲ 0.50% · 4.625%
HK$15,215
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,684/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$15,014
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$408/mo
Today · 4.125%
HK$15,825
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,650/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).