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$7,503
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,736
−HK$238/mo
Today · 4.125%
HK$7,974
baseline
▲ 0.50% · 4.625%
HK$8,459
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,948/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$8,347
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,571
−HK$227/mo
Today · 4.125%
HK$8,798
baseline
▲ 0.50% · 4.625%
HK$9,262
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,596/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$9,004
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,284
−HK$284/mo
Today · 4.125%
HK$9,568
baseline
▲ 0.50% · 4.625%
HK$10,151
+HK$583/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,136/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$10,017
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$273/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,114
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,116/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$10,504
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,831
−HK$332/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,842
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,326/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,686
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$318/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$12,967
+HK$650/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,634/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,506
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,926
−HK$426/mo
Today · 4.125%
HK$14,352
baseline
▲ 0.50% · 4.625%
HK$15,226
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,704/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$15,025
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$409/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,671
+HK$834/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,674/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).