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$7,499
−HK$471/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$8,343
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,567
−HK$227/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,257
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,588/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$8,999
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,279
−HK$285/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,145
+HK$581/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$540/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$272/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,109
+HK$557/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,104/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$10,499
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,826
−HK$331/mo
Today · 4.125%
HK$11,157
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,314/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$11,680
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$318/mo
Today · 4.125%
HK$12,311
baseline
▲ 0.50% · 4.625%
HK$12,960
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,622/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$13,499
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,919
−HK$426/mo
Today · 4.125%
HK$14,345
baseline
▲ 0.50% · 4.625%
HK$15,218
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,690/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$15,017
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,420
−HK$409/mo
Today · 4.125%
HK$15,829
baseline
▲ 0.50% · 4.625%
HK$16,663
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,658/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).