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$7,489
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$237/mo
Today · 4.125%
HK$7,959
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,918/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$8,331
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$226/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,562/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$8,987
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,266
−HK$284/mo
Today · 4.125%
HK$9,550
baseline
▲ 0.50% · 4.625%
HK$10,131
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,100/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$9,998
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,266
−HK$272/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,093
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,076/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$10,485
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$331/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,284/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,664
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,977
−HK$317/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$12,942
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,588/mo (50% DSR)
Upfront cash ≈ HK$985K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,480
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$426/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$872/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$28,650/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$14,996
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,399
−HK$408/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,640
+HK$833/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$31,614/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).