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$7,508
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,742
−HK$237/mo
Today · 4.125%
HK$7,979
baseline
▲ 0.50% · 4.625%
HK$8,465
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,958/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$8,353
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,577
−HK$227/mo
Today · 4.125%
HK$8,804
baseline
▲ 0.50% · 4.625%
HK$9,268
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,608/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$9,010
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,290
−HK$285/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,157
+HK$582/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,150/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$10,023
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,292
−HK$273/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,122
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,130/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$10,511
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,838
−HK$333/mo
Today · 4.125%
HK$11,171
baseline
▲ 0.50% · 4.625%
HK$11,850
+HK$679/mo
Deposit HK$988K · loan HK$2.30M · min. income ≈ HK$22,342/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$11,694
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$319/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$12,975
+HK$649/mo
Deposit HK$988K · loan HK$2.30M · min. income ≈ HK$24,652/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$13,515
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,935
−HK$427/mo
Today · 4.125%
HK$14,362
baseline
▲ 0.50% · 4.625%
HK$15,236
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,724/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$15,035
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$409/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$836/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,694/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).