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$7,538
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,773
−HK$238/mo
Today · 4.125%
HK$8,011
baseline
▲ 0.50% · 4.625%
HK$8,499
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,022/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$8,386
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,611
−HK$228/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,305
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,678/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$9,046
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$286/mo
Today · 4.125%
HK$9,613
baseline
▲ 0.50% · 4.625%
HK$10,198
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,226/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$10,064
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,334
−HK$273/mo
Today · 4.125%
HK$10,607
baseline
▲ 0.50% · 4.625%
HK$11,166
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,214/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$10,554
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,882
−HK$334/mo
Today · 4.125%
HK$11,216
baseline
▲ 0.50% · 4.625%
HK$11,898
+HK$682/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,432/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$11,741
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,056
−HK$319/mo
Today · 4.125%
HK$12,375
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$653/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,750/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$13,569
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,991
−HK$429/mo
Today · 4.125%
HK$14,420
baseline
▲ 0.50% · 4.625%
HK$15,297
+HK$877/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,840/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$15,095
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,500
−HK$411/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,822/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).