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$7,506
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$238/mo
Today · 4.125%
HK$7,977
baseline
▲ 0.50% · 4.625%
HK$8,462
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,954/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$8,350
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,574
−HK$227/mo
Today · 4.125%
HK$8,801
baseline
▲ 0.50% · 4.625%
HK$9,265
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,602/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$9,007
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$285/mo
Today · 4.125%
HK$9,572
baseline
▲ 0.50% · 4.625%
HK$10,154
+HK$582/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,144/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$10,020
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,289
−HK$273/mo
Today · 4.125%
HK$10,562
baseline
▲ 0.50% · 4.625%
HK$11,118
+HK$556/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,124/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$10,508
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,835
−HK$332/mo
Today · 4.125%
HK$11,167
baseline
▲ 0.50% · 4.625%
HK$11,847
+HK$680/mo
Deposit HK$988K · loan HK$2.30M · min. income ≈ HK$22,334/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$11,690
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,004
−HK$318/mo
Today · 4.125%
HK$12,322
baseline
▲ 0.50% · 4.625%
HK$12,972
+HK$650/mo
Deposit HK$988K · loan HK$2.30M · min. income ≈ HK$24,644/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$13,511
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,931
−HK$427/mo
Today · 4.125%
HK$14,358
baseline
▲ 0.50% · 4.625%
HK$15,232
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,716/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$15,031
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$409/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,686/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).