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$7,548
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,782
−HK$239/mo
Today · 4.125%
HK$8,021
baseline
▲ 0.50% · 4.625%
HK$8,509
+HK$488/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,042/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,397
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$228/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$467/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,700/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,057
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$286/mo
Today · 4.125%
HK$9,625
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,250/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$10,076
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$274/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,240/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$10,567
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,895
−HK$334/mo
Today · 4.125%
HK$11,229
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$683/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,458/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$11,755
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$320/mo
Today · 4.125%
HK$12,390
baseline
▲ 0.50% · 4.625%
HK$13,043
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,780/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$13,586
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,008
−HK$430/mo
Today · 4.125%
HK$14,438
baseline
▲ 0.50% · 4.625%
HK$15,316
+HK$878/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,876/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$15,114
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$411/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,860/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).