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$7,498
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,732
−HK$237/mo
Today · 4.125%
HK$7,969
baseline
▲ 0.50% · 4.625%
HK$8,454
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,938/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$8,342
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,566
−HK$227/mo
Today · 4.125%
HK$8,793
baseline
▲ 0.50% · 4.625%
HK$9,256
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,586/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$8,998
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,278
−HK$284/mo
Today · 4.125%
HK$9,562
baseline
▲ 0.50% · 4.625%
HK$10,144
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,124/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$10,010
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,279
−HK$272/mo
Today · 4.125%
HK$10,551
baseline
▲ 0.50% · 4.625%
HK$11,107
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,102/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$10,498
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,824
−HK$332/mo
Today · 4.125%
HK$11,156
baseline
▲ 0.50% · 4.625%
HK$11,835
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,312/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,679
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,992
−HK$318/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,620/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,497
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,917
−HK$427/mo
Today · 4.125%
HK$14,344
baseline
▲ 0.50% · 4.625%
HK$15,216
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,688/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$15,016
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,418
−HK$409/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,661
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,654/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).