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$7,493
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,727
−HK$236/mo
Today · 4.125%
HK$7,963
baseline
▲ 0.50% · 4.625%
HK$8,448
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,926/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$8,336
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$227/mo
Today · 4.125%
HK$8,787
baseline
▲ 0.50% · 4.625%
HK$9,250
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,574/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$8,992
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,272
−HK$284/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,137
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,112/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$10,004
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,272
−HK$272/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,100
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,088/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$10,491
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$332/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$678/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,298/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,671
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$318/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$648/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,604/mo (50% DSR)
Upfront cash ≈ HK$986K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,488
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,908
−HK$426/mo
Today · 4.125%
HK$14,334
baseline
▲ 0.50% · 4.625%
HK$15,206
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,668/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$15,006
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$408/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,650
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,632/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).