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$7,544
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,778
−HK$239/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,504
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,034/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$8,392
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,617
−HK$229/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,312
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,692/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$9,052
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,334
−HK$286/mo
Today · 4.125%
HK$9,620
baseline
▲ 0.50% · 4.625%
HK$10,205
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,240/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$10,071
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$274/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,174
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,230/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$10,561
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,890
−HK$333/mo
Today · 4.125%
HK$11,223
baseline
▲ 0.50% · 4.625%
HK$11,906
+HK$683/mo
Deposit HK$992K · loan HK$2.32M · min. income ≈ HK$22,446/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,749
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,064
−HK$320/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,037
+HK$653/mo
Deposit HK$992K · loan HK$2.32M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,579
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,001
−HK$429/mo
Today · 4.125%
HK$14,430
baseline
▲ 0.50% · 4.625%
HK$15,308
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,860/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$15,106
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$411/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,844/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).