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$7,490
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,723
−HK$237/mo
Today · 4.125%
HK$7,960
baseline
▲ 0.50% · 4.625%
HK$8,444
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,920/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$8,333
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$227/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,246
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,566/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$8,988
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$284/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,133
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,104/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$9,999
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$272/mo
Today · 4.125%
HK$10,540
baseline
▲ 0.50% · 4.625%
HK$11,095
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,080/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$10,486
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$331/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,822
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,288/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$11,666
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,979
−HK$317/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,592/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$13,482
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,902
−HK$426/mo
Today · 4.125%
HK$14,328
baseline
▲ 0.50% · 4.625%
HK$15,200
+HK$872/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$28,656/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$14,999
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,401
−HK$408/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$834/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$31,618/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).