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$7,492
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,725
−HK$236/mo
Today · 4.125%
HK$7,961
baseline
▲ 0.50% · 4.625%
HK$8,446
+HK$485/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$451/mo
▼ 0.25% · 3.875%
HK$8,558
−HK$227/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,248
+HK$463/mo
Deposit HK$1.64M · loan HK$1.64M · min. income ≈ HK$17,570/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$8,990
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,270
−HK$284/mo
Today · 4.125%
HK$9,554
baseline
▲ 0.50% · 4.625%
HK$10,135
+HK$581/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$19,108/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$10,001
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$273/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,097
+HK$555/mo
Deposit HK$1.31M · loan HK$1.97M · min. income ≈ HK$21,084/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$10,488
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$332/mo
Today · 4.125%
HK$11,146
baseline
▲ 0.50% · 4.625%
HK$11,824
+HK$678/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$22,292/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$11,668
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,981
−HK$317/mo
Today · 4.125%
HK$12,298
baseline
▲ 0.50% · 4.625%
HK$12,947
+HK$649/mo
Deposit HK$986K · loan HK$2.30M · min. income ≈ HK$24,596/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$13,485
−HK$845/mo
▼ 0.25% · 3.875%
HK$13,904
−HK$426/mo
Today · 4.125%
HK$14,330
baseline
▲ 0.50% · 4.625%
HK$15,202
+HK$872/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,660/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$15,002
−HK$810/mo
▼ 0.25% · 3.875%
HK$15,404
−HK$408/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,646
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,624/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).