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$7,509
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$237/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,958/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$8,353
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$228/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,269
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,610/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$9,010
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$284/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,158
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,150/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$10,024
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,293
−HK$272/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,130/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$10,512
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,839
−HK$332/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,851
+HK$680/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,342/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,695
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,008
−HK$318/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$12,976
+HK$650/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,652/mo (50% DSR)
Upfront cash ≈ HK$988K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,516
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,936
−HK$427/mo
Today · 4.125%
HK$14,363
baseline
▲ 0.50% · 4.625%
HK$15,237
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,726/mo (50% DSR)
Upfront cash ≈ HK$329K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$409/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,684
+HK$836/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$329K (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).