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$7,544
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,779
−HK$238/mo
Today · 4.125%
HK$8,017
baseline
▲ 0.50% · 4.625%
HK$8,505
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,034/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$8,393
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$228/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,313
+HK$467/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,692/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$9,053
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$286/mo
Today · 4.125%
HK$9,621
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$585/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,242/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$10,071
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$274/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,175
+HK$559/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,232/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$10,562
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,890
−HK$334/mo
Today · 4.125%
HK$11,224
baseline
▲ 0.50% · 4.625%
HK$11,907
+HK$683/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,448/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$11,750
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,065
−HK$320/mo
Today · 4.125%
HK$12,385
baseline
▲ 0.50% · 4.625%
HK$13,038
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,770/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$13,580
−HK$851/mo
▼ 0.25% · 3.875%
HK$14,002
−HK$429/mo
Today · 4.125%
HK$14,431
baseline
▲ 0.50% · 4.625%
HK$15,309
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,862/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$15,107
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,512
−HK$411/mo
Today · 4.125%
HK$15,923
baseline
▲ 0.50% · 4.625%
HK$16,763
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,846/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).