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$7,513
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,746
−HK$238/mo
Today · 4.125%
HK$7,984
baseline
▲ 0.50% · 4.625%
HK$8,469
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,968/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$8,358
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,582
−HK$227/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,274
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,618/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$9,015
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$285/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,163
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,160/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$10,029
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$273/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,128
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,142/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$10,518
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,845
−HK$332/mo
Today · 4.125%
HK$11,177
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$680/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,354/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$11,701
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,014
−HK$319/mo
Today · 4.125%
HK$12,333
baseline
▲ 0.50% · 4.625%
HK$12,983
+HK$650/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,666/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$13,523
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,943
−HK$428/mo
Today · 4.125%
HK$14,371
baseline
▲ 0.50% · 4.625%
HK$15,245
+HK$874/mo
Deposit HK$329K · loan HK$2.97M · min. income ≈ HK$28,742/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,044
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$410/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$835/mo
Deposit HK$329K · loan HK$2.97M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$330K (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).