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$7,489
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,722
−HK$236/mo
Today · 4.125%
HK$7,958
baseline
▲ 0.50% · 4.625%
HK$8,443
+HK$485/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,916/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$8,331
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$226/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,244
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,562/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$8,986
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,266
−HK$284/mo
Today · 4.125%
HK$9,550
baseline
▲ 0.50% · 4.625%
HK$10,131
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,100/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$9,997
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$272/mo
Today · 4.125%
HK$10,537
baseline
▲ 0.50% · 4.625%
HK$11,093
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,074/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$10,484
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,810
−HK$332/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,284/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$11,664
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,976
−HK$318/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$12,942
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,588/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$13,480
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,899
−HK$426/mo
Today · 4.125%
HK$14,325
baseline
▲ 0.50% · 4.625%
HK$15,197
+HK$872/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$28,650/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$14,996
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$408/mo
Today · 4.125%
HK$15,806
baseline
▲ 0.50% · 4.625%
HK$16,639
+HK$833/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$31,612/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).