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$7,541
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,776
−HK$238/mo
Today · 4.125%
HK$8,014
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,028/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$8,389
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$228/mo
Today · 4.125%
HK$8,842
baseline
▲ 0.50% · 4.625%
HK$9,309
+HK$467/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,684/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$9,049
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,331
−HK$286/mo
Today · 4.125%
HK$9,617
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,234/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$10,067
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$274/mo
Today · 4.125%
HK$10,611
baseline
▲ 0.50% · 4.625%
HK$11,170
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,222/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$10,557
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$333/mo
Today · 4.125%
HK$11,219
baseline
▲ 0.50% · 4.625%
HK$11,902
+HK$683/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,438/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$11,745
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$319/mo
Today · 4.125%
HK$12,379
baseline
▲ 0.50% · 4.625%
HK$13,032
+HK$653/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,758/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$13,574
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$429/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,303
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,850/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$15,101
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$410/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,832/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).