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$7,496
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,729
−HK$237/mo
Today · 4.125%
HK$7,966
baseline
▲ 0.50% · 4.625%
HK$8,450
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,932/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$8,339
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$227/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,253
+HK$464/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,578/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$8,995
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,274
−HK$285/mo
Today · 4.125%
HK$9,559
baseline
▲ 0.50% · 4.625%
HK$10,140
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,118/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$10,007
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$272/mo
Today · 4.125%
HK$10,547
baseline
▲ 0.50% · 4.625%
HK$11,103
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,094/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$10,494
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$332/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,830
+HK$678/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,304/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$11,674
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,987
−HK$318/mo
Today · 4.125%
HK$12,305
baseline
▲ 0.50% · 4.625%
HK$12,954
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,610/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$13,492
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$426/mo
Today · 4.125%
HK$14,338
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,676/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$15,010
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$409/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,655
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,642/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).