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$7,540
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,775
−HK$238/mo
Today · 4.125%
HK$8,013
baseline
▲ 0.50% · 4.625%
HK$8,501
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,026/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$8,388
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,613
−HK$229/mo
Today · 4.125%
HK$8,842
baseline
▲ 0.50% · 4.625%
HK$9,308
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,684/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$9,048
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,330
−HK$286/mo
Today · 4.125%
HK$9,616
baseline
▲ 0.50% · 4.625%
HK$10,201
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,232/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$10,066
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$274/mo
Today · 4.125%
HK$10,610
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,220/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$10,556
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,885
−HK$333/mo
Today · 4.125%
HK$11,218
baseline
▲ 0.50% · 4.625%
HK$11,901
+HK$683/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,436/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$11,744
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$319/mo
Today · 4.125%
HK$12,378
baseline
▲ 0.50% · 4.625%
HK$13,031
+HK$653/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,756/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$13,572
−HK$852/mo
▼ 0.25% · 3.875%
HK$13,995
−HK$429/mo
Today · 4.125%
HK$14,424
baseline
▲ 0.50% · 4.625%
HK$15,301
+HK$877/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,848/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$15,099
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$411/mo
Today · 4.125%
HK$15,915
baseline
▲ 0.50% · 4.625%
HK$16,754
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,830/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).