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$7,539
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$239/mo
Today · 4.125%
HK$8,012
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,024/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,387
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$228/mo
Today · 4.125%
HK$8,840
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,680/mo (50% DSR)
Upfront cash ≈ HK$1.65M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,047
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,328
−HK$286/mo
Today · 4.125%
HK$9,614
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,228/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,064
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$274/mo
Today · 4.125%
HK$10,608
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,216/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,554
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,883
−HK$333/mo
Today · 4.125%
HK$11,216
baseline
▲ 0.50% · 4.625%
HK$11,899
+HK$683/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,432/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$319/mo
Today · 4.125%
HK$12,376
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$652/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,752/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,570
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,992
−HK$429/mo
Today · 4.125%
HK$14,421
baseline
▲ 0.50% · 4.625%
HK$15,298
+HK$877/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,842/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,501
−HK$411/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$331K (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).