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$7,505
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,739
−HK$237/mo
Today · 4.125%
HK$7,976
baseline
▲ 0.50% · 4.625%
HK$8,461
+HK$485/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,952/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$8,349
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,573
−HK$227/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,264
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,600/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$9,006
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,286
−HK$285/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,153
+HK$582/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$19,142/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$10,019
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$273/mo
Today · 4.125%
HK$10,561
baseline
▲ 0.50% · 4.625%
HK$11,117
+HK$556/mo
Deposit HK$1.32M · loan HK$1.97M · min. income ≈ HK$21,122/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$10,507
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,834
−HK$332/mo
Today · 4.125%
HK$11,166
baseline
▲ 0.50% · 4.625%
HK$11,845
+HK$679/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$22,332/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$11,689
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$318/mo
Today · 4.125%
HK$12,321
baseline
▲ 0.50% · 4.625%
HK$12,970
+HK$649/mo
Deposit HK$987K · loan HK$2.30M · min. income ≈ HK$24,642/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$13,509
−HK$847/mo
▼ 0.25% · 3.875%
HK$13,929
−HK$427/mo
Today · 4.125%
HK$14,356
baseline
▲ 0.50% · 4.625%
HK$15,230
+HK$874/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$28,712/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$15,029
−HK$812/mo
▼ 0.25% · 3.875%
HK$15,432
−HK$409/mo
Today · 4.125%
HK$15,841
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$835/mo
Deposit HK$329K · loan HK$2.96M · min. income ≈ HK$31,682/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).