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$7,545
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,780
−HK$238/mo
Today · 4.125%
HK$8,018
baseline
▲ 0.50% · 4.625%
HK$8,506
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,036/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$8,394
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,619
−HK$228/mo
Today · 4.125%
HK$8,847
baseline
▲ 0.50% · 4.625%
HK$9,314
+HK$467/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,694/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$9,054
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,336
−HK$286/mo
Today · 4.125%
HK$9,622
baseline
▲ 0.50% · 4.625%
HK$10,207
+HK$585/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,244/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$10,073
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,343
−HK$274/mo
Today · 4.125%
HK$10,617
baseline
▲ 0.50% · 4.625%
HK$11,176
+HK$559/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,234/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$10,563
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,892
−HK$333/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$683/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,450/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$11,751
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$320/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,039
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,772/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$13,581
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,003
−HK$430/mo
Today · 4.125%
HK$14,433
baseline
▲ 0.50% · 4.625%
HK$15,311
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,866/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$15,109
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,514
−HK$411/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,764
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,850/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).