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$7,512
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$237/mo
Today · 4.125%
HK$7,983
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,966/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$8,357
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$227/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,273
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,616/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$9,014
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$285/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$582/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,160/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$10,028
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$273/mo
Today · 4.125%
HK$10,570
baseline
▲ 0.50% · 4.625%
HK$11,127
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,140/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$10,517
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$332/mo
Today · 4.125%
HK$11,176
baseline
▲ 0.50% · 4.625%
HK$11,856
+HK$680/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,352/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$11,700
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$318/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$650/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,664/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$13,521
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,942
−HK$427/mo
Today · 4.125%
HK$14,369
baseline
▲ 0.50% · 4.625%
HK$15,244
+HK$875/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,738/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,043
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,446
−HK$409/mo
Today · 4.125%
HK$15,855
baseline
▲ 0.50% · 4.625%
HK$16,691
+HK$836/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,710/mo (50% DSR)
Upfront cash ≈ HK$330K (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).