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$7,492
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$237/mo
Today · 4.125%
HK$7,962
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,924/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$8,335
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$226/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,570/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$8,991
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,270
−HK$284/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,136
+HK$582/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,108/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$10,002
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,270
−HK$272/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,098
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,084/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$10,489
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$332/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,825
+HK$678/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,294/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$11,669
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$317/mo
Today · 4.125%
HK$12,299
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,598/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$13,486
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,905
−HK$427/mo
Today · 4.125%
HK$14,332
baseline
▲ 0.50% · 4.625%
HK$15,204
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,664/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$15,003
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,405
−HK$408/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,647
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,626/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).