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$471/mo
▼ 0.25% · 3.875%
HK$7,743
−HK$237/mo
Today · 4.125%
HK$7,980
baseline
▲ 0.50% · 4.625%
HK$8,466
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,960/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$8,354
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,578
−HK$227/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$465/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$9,011
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,292
−HK$284/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,159
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,152/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$10,025
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,294
−HK$273/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,134/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$10,513
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$332/mo
Today · 4.125%
HK$11,172
baseline
▲ 0.50% · 4.625%
HK$11,852
+HK$680/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,344/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$11,696
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$319/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$12,977
+HK$649/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,656/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$13,517
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,937
−HK$428/mo
Today · 4.125%
HK$14,365
baseline
▲ 0.50% · 4.625%
HK$15,239
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,730/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$15,037
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$409/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,700/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).