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$7,504
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,738
−HK$237/mo
Today · 4.125%
HK$7,975
baseline
▲ 0.50% · 4.625%
HK$8,460
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,950/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$8,348
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$227/mo
Today · 4.125%
HK$8,799
baseline
▲ 0.50% · 4.625%
HK$9,263
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,598/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$9,005
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,285
−HK$285/mo
Today · 4.125%
HK$9,570
baseline
▲ 0.50% · 4.625%
HK$10,152
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,140/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$10,018
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$272/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,116
+HK$557/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,118/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$10,506
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,833
−HK$332/mo
Today · 4.125%
HK$11,165
baseline
▲ 0.50% · 4.625%
HK$11,844
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,330/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,688
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,001
−HK$318/mo
Today · 4.125%
HK$12,319
baseline
▲ 0.50% · 4.625%
HK$12,968
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,638/mo (50% DSR)
Upfront cash ≈ HK$987K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,507
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,928
−HK$427/mo
Today · 4.125%
HK$14,355
baseline
▲ 0.50% · 4.625%
HK$15,228
+HK$873/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,710/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$15,027
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,430
−HK$409/mo
Today · 4.125%
HK$15,839
baseline
▲ 0.50% · 4.625%
HK$16,674
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,678/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).