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$7,536
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,771
−HK$238/mo
Today · 4.125%
HK$8,009
baseline
▲ 0.50% · 4.625%
HK$8,496
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,018/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$8,384
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$228/mo
Today · 4.125%
HK$8,837
baseline
▲ 0.50% · 4.625%
HK$9,303
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,674/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$9,044
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,325
−HK$286/mo
Today · 4.125%
HK$9,611
baseline
▲ 0.50% · 4.625%
HK$10,195
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,222/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$10,061
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,331
−HK$273/mo
Today · 4.125%
HK$10,604
baseline
▲ 0.50% · 4.625%
HK$11,163
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,208/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$10,551
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,879
−HK$333/mo
Today · 4.125%
HK$11,212
baseline
▲ 0.50% · 4.625%
HK$11,895
+HK$683/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,424/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$11,738
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$320/mo
Today · 4.125%
HK$12,372
baseline
▲ 0.50% · 4.625%
HK$13,024
+HK$652/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,744/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$13,565
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,987
−HK$429/mo
Today · 4.125%
HK$14,416
baseline
▲ 0.50% · 4.625%
HK$15,293
+HK$877/mo
Deposit HK$331K · loan HK$2.97M · min. income ≈ HK$28,832/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$15,091
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$411/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$838/mo
Deposit HK$331K · loan HK$2.97M · min. income ≈ HK$31,814/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).