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$7,491
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,724
−HK$237/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,445
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,922/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$8,334
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$227/mo
Today · 4.125%
HK$8,784
baseline
▲ 0.50% · 4.625%
HK$9,247
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,568/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$8,989
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,269
−HK$284/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,134
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,106/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$10,000
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$273/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,096
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,082/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$10,487
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$332/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$678/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,290/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$11,667
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$317/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,594/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$13,484
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,903
−HK$426/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,201
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,658/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$15,000
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$408/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,644
+HK$833/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,622/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).