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$7,497
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,731
−HK$236/mo
Today · 4.125%
HK$7,967
baseline
▲ 0.50% · 4.625%
HK$8,452
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,934/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$8,341
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$227/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,255
+HK$464/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,582/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$8,997
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,277
−HK$284/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,143
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,122/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$10,009
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$273/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,106
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,100/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$10,496
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,823
−HK$331/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,833
+HK$679/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,308/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$11,677
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$318/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$12,957
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,616/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$13,495
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,915
−HK$426/mo
Today · 4.125%
HK$14,341
baseline
▲ 0.50% · 4.625%
HK$15,214
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,682/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$15,013
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$408/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,659
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,648/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).