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$7,510
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$237/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,962/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$8,355
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$228/mo
Today · 4.125%
HK$8,807
baseline
▲ 0.50% · 4.625%
HK$9,271
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,614/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$9,013
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$285/mo
Today · 4.125%
HK$9,578
baseline
▲ 0.50% · 4.625%
HK$10,161
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,156/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$10,026
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$273/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,125
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,136/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$10,515
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,842
−HK$332/mo
Today · 4.125%
HK$11,174
baseline
▲ 0.50% · 4.625%
HK$11,854
+HK$680/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,348/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$11,697
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,011
−HK$318/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$12,979
+HK$650/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,658/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$13,519
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,939
−HK$428/mo
Today · 4.125%
HK$14,367
baseline
▲ 0.50% · 4.625%
HK$15,241
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,734/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$15,040
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$409/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,688
+HK$836/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,704/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).