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$7,730
−HK$237/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$8,340
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$227/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,254
+HK$463/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$8,996
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,276
−HK$284/mo
Today · 4.125%
HK$9,560
baseline
▲ 0.50% · 4.625%
HK$10,142
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,120/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$10,008
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,276
−HK$273/mo
Today · 4.125%
HK$10,549
baseline
▲ 0.50% · 4.625%
HK$11,105
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,098/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$10,495
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$331/mo
Today · 4.125%
HK$11,153
baseline
▲ 0.50% · 4.625%
HK$11,832
+HK$679/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,306/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$11,676
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$318/mo
Today · 4.125%
HK$12,307
baseline
▲ 0.50% · 4.625%
HK$12,955
+HK$648/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,614/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$13,494
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,914
−HK$426/mo
Today · 4.125%
HK$14,340
baseline
▲ 0.50% · 4.625%
HK$15,213
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,680/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$15,012
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$408/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,657
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,646/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).