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$7,506
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$237/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,952/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$8,350
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$227/mo
Today · 4.125%
HK$8,801
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,602/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$9,007
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$284/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$583/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,142/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$10,020
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$272/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$557/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,122/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$10,508
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$332/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,846
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,334/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$11,690
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$318/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$12,971
+HK$650/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,642/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$13,510
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,930
−HK$427/mo
Today · 4.125%
HK$14,357
baseline
▲ 0.50% · 4.625%
HK$15,231
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,714/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$15,030
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$409/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,684/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).