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$7,510
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,744
−HK$237/mo
Today · 4.125%
HK$7,981
baseline
▲ 0.50% · 4.625%
HK$8,467
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,962/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$8,355
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,579
−HK$227/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,270
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,612/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$9,012
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,292
−HK$285/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,160
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,154/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$10,026
−HK$541/mo
▼ 0.25% · 3.875%
HK$10,295
−HK$272/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,124
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,134/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$10,514
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,841
−HK$332/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,853
+HK$680/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$22,346/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$11,697
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$319/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$12,979
+HK$650/mo
Deposit HK$988K · loan HK$2.31M · min. income ≈ HK$24,658/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$13,518
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,938
−HK$428/mo
Today · 4.125%
HK$14,366
baseline
▲ 0.50% · 4.625%
HK$15,240
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,732/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$15,039
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,442
−HK$409/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,687
+HK$836/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,702/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).