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$7,540
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,774
−HK$239/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,500
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,026/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$8,388
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,613
−HK$228/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,307
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,682/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$9,048
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$286/mo
Today · 4.125%
HK$9,615
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,230/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$10,065
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$274/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,168
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,218/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$10,556
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,884
−HK$334/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$682/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,436/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$11,743
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$319/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$653/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,754/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$13,571
−HK$852/mo
▼ 0.25% · 3.875%
HK$13,994
−HK$429/mo
Today · 4.125%
HK$14,423
baseline
▲ 0.50% · 4.625%
HK$15,300
+HK$877/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,846/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$15,098
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,503
−HK$411/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,753
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,828/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).