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$472/mo
▼ 0.25% · 3.875%
HK$7,772
−HK$238/mo
Today · 4.125%
HK$8,010
baseline
▲ 0.50% · 4.625%
HK$8,498
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,020/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$8,610
−HK$229/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,304
+HK$465/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$9,045
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$286/mo
Today · 4.125%
HK$9,612
baseline
▲ 0.50% · 4.625%
HK$10,197
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,224/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$10,063
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$274/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,165
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,212/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$10,553
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,881
−HK$333/mo
Today · 4.125%
HK$11,214
baseline
▲ 0.50% · 4.625%
HK$11,897
+HK$683/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$22,428/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$11,740
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,055
−HK$319/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,026
+HK$652/mo
Deposit HK$992K · loan HK$2.31M · min. income ≈ HK$24,748/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$13,568
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,990
−HK$429/mo
Today · 4.125%
HK$14,419
baseline
▲ 0.50% · 4.625%
HK$15,296
+HK$877/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,838/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$15,094
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$410/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,818/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).