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$7,505
−HK$470/mo
▼ 0.25% · 3.875%
HK$7,738
−HK$237/mo
Today · 4.125%
HK$7,975
baseline
▲ 0.50% · 4.625%
HK$8,461
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,950/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$8,349
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,573
−HK$227/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,600/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$9,006
−HK$564/mo
▼ 0.25% · 3.875%
HK$9,286
−HK$284/mo
Today · 4.125%
HK$9,570
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$583/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,140/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$10,019
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$273/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$557/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,120/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$10,507
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$332/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,845
+HK$680/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,330/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,689
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,002
−HK$318/mo
Today · 4.125%
HK$12,320
baseline
▲ 0.50% · 4.625%
HK$12,969
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,640/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,509
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$427/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,229
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,712/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$15,028
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$409/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,675
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,680/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).