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$7,487
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,719
−HK$237/mo
Today · 4.125%
HK$7,956
baseline
▲ 0.50% · 4.625%
HK$8,440
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,912/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$8,329
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,552
−HK$227/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,241
+HK$462/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,558/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$8,984
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,263
−HK$284/mo
Today · 4.125%
HK$9,547
baseline
▲ 0.50% · 4.625%
HK$10,128
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,094/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$9,994
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$271/mo
Today · 4.125%
HK$10,534
baseline
▲ 0.50% · 4.625%
HK$11,090
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,068/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$10,481
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$331/mo
Today · 4.125%
HK$11,138
baseline
▲ 0.50% · 4.625%
HK$11,816
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,276/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$11,660
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$317/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,580/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$13,476
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,895
−HK$426/mo
Today · 4.125%
HK$14,321
baseline
▲ 0.50% · 4.625%
HK$15,192
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,642/mo (50% DSR)
Upfront cash ≈ HK$328K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,992
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,394
−HK$408/mo
Today · 4.125%
HK$15,802
baseline
▲ 0.50% · 4.625%
HK$16,635
+HK$833/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,604/mo (50% DSR)
Upfront cash ≈ HK$328K (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).