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$7,546
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,781
−HK$238/mo
Today · 4.125%
HK$8,019
baseline
▲ 0.50% · 4.625%
HK$8,507
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,038/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$8,395
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$229/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,698/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$9,055
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,337
−HK$286/mo
Today · 4.125%
HK$9,623
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,246/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$10,074
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,344
−HK$274/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,178
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,236/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$10,565
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,893
−HK$334/mo
Today · 4.125%
HK$11,227
baseline
▲ 0.50% · 4.625%
HK$11,910
+HK$683/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,454/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,753
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$320/mo
Today · 4.125%
HK$12,388
baseline
▲ 0.50% · 4.625%
HK$13,041
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,776/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,583
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,006
−HK$429/mo
Today · 4.125%
HK$14,435
baseline
▲ 0.50% · 4.625%
HK$15,313
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,870/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$15,111
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,516
−HK$412/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,767
+HK$839/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,856/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).