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$7,484
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,716
−HK$237/mo
Today · 4.125%
HK$7,953
baseline
▲ 0.50% · 4.625%
HK$8,437
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,906/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$8,325
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,549
−HK$226/mo
Today · 4.125%
HK$8,775
baseline
▲ 0.50% · 4.625%
HK$9,238
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,550/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$8,980
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,260
−HK$283/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,124
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,086/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$9,990
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,258
−HK$272/mo
Today · 4.125%
HK$10,530
baseline
▲ 0.50% · 4.625%
HK$11,085
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,060/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$10,477
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$331/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,811
+HK$677/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,268/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$11,655
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$317/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,570/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$13,470
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,889
−HK$426/mo
Today · 4.125%
HK$14,315
baseline
▲ 0.50% · 4.625%
HK$15,186
+HK$871/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$28,630/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$14,986
−HK$809/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$407/mo
Today · 4.125%
HK$15,795
baseline
▲ 0.50% · 4.625%
HK$16,628
+HK$833/mo
Deposit HK$328K · loan HK$2.95M · min. income ≈ HK$31,590/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).