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$7,487
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,720
−HK$237/mo
Today · 4.125%
HK$7,957
baseline
▲ 0.50% · 4.625%
HK$8,441
+HK$484/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$15,914/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$8,329
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$226/mo
Today · 4.125%
HK$8,779
baseline
▲ 0.50% · 4.625%
HK$9,242
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,558/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$8,985
−HK$563/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$284/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,129
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,096/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$9,995
−HK$540/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$272/mo
Today · 4.125%
HK$10,535
baseline
▲ 0.50% · 4.625%
HK$11,091
+HK$556/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,070/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$10,482
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,808
−HK$331/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$678/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$22,278/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$11,661
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$317/mo
Today · 4.125%
HK$12,291
baseline
▲ 0.50% · 4.625%
HK$12,939
+HK$648/mo
Deposit HK$985K · loan HK$2.30M · min. income ≈ HK$24,582/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$13,477
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,896
−HK$426/mo
Today · 4.125%
HK$14,322
baseline
▲ 0.50% · 4.625%
HK$15,193
+HK$871/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$28,644/mo (50% DSR)
Upfront cash ≈ HK$328K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,395
−HK$408/mo
Today · 4.125%
HK$15,803
baseline
▲ 0.50% · 4.625%
HK$16,636
+HK$833/mo
Deposit HK$328K · loan HK$2.96M · min. income ≈ HK$31,606/mo (50% DSR)
Upfront cash ≈ HK$328K (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).