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$7,488
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,721
−HK$236/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,914/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$8,330
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$227/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,243
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,560/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$8,985
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,265
−HK$284/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,130
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,098/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$9,996
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$272/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,072/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$10,483
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$331/mo
Today · 4.125%
HK$11,140
baseline
▲ 0.50% · 4.625%
HK$11,818
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,280/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$11,662
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,975
−HK$317/mo
Today · 4.125%
HK$12,292
baseline
▲ 0.50% · 4.625%
HK$12,940
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,584/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$13,478
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,897
−HK$426/mo
Today · 4.125%
HK$14,323
baseline
▲ 0.50% · 4.625%
HK$15,195
+HK$872/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$28,646/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$14,994
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$408/mo
Today · 4.125%
HK$15,804
baseline
▲ 0.50% · 4.625%
HK$16,637
+HK$833/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$31,608/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).