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$7,542
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,776
−HK$239/mo
Today · 4.125%
HK$8,015
baseline
▲ 0.50% · 4.625%
HK$8,502
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,030/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$8,390
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$228/mo
Today · 4.125%
HK$8,843
baseline
▲ 0.50% · 4.625%
HK$9,310
+HK$467/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,686/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$9,050
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,332
−HK$286/mo
Today · 4.125%
HK$9,618
baseline
▲ 0.50% · 4.625%
HK$10,203
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,236/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$10,068
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$274/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,171
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,224/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$10,558
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,887
−HK$334/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$682/mo
Deposit HK$992K · loan HK$2.32M · min. income ≈ HK$22,442/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,746
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$320/mo
Today · 4.125%
HK$12,381
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$652/mo
Deposit HK$992K · loan HK$2.32M · min. income ≈ HK$24,762/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,575
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,997
−HK$429/mo
Today · 4.125%
HK$14,426
baseline
▲ 0.50% · 4.625%
HK$15,304
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,852/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,102
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,507
−HK$411/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,836/mo (50% DSR)
Upfront cash ≈ HK$331K (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).