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$7,537
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$238/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,497
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,020/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$8,385
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$228/mo
Today · 4.125%
HK$8,838
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,676/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$9,045
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$286/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,197
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,224/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$10,062
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$274/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,165
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,212/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$10,552
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$333/mo
Today · 4.125%
HK$11,214
baseline
▲ 0.50% · 4.625%
HK$11,896
+HK$682/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,428/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$11,739
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$320/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,026
+HK$652/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,748/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$13,567
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,989
−HK$429/mo
Today · 4.125%
HK$14,418
baseline
▲ 0.50% · 4.625%
HK$15,295
+HK$877/mo
Deposit HK$331K · loan HK$2.97M · min. income ≈ HK$28,836/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$15,093
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$411/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$839/mo
Deposit HK$331K · loan HK$2.97M · min. income ≈ HK$31,818/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).