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$7,523
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,757
−HK$238/mo
Today · 4.125%
HK$7,995
baseline
▲ 0.50% · 4.625%
HK$8,481
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,990/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$8,369
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,594
−HK$228/mo
Today · 4.125%
HK$8,822
baseline
▲ 0.50% · 4.625%
HK$9,287
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,644/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$9,028
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,309
−HK$285/mo
Today · 4.125%
HK$9,594
baseline
▲ 0.50% · 4.625%
HK$10,178
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,188/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$10,043
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,313
−HK$273/mo
Today · 4.125%
HK$10,586
baseline
▲ 0.50% · 4.625%
HK$11,144
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,172/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$10,532
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,860
−HK$333/mo
Today · 4.125%
HK$11,193
baseline
▲ 0.50% · 4.625%
HK$11,874
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,386/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,717
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,032
−HK$318/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,700/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,542
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,963
−HK$428/mo
Today · 4.125%
HK$14,391
baseline
▲ 0.50% · 4.625%
HK$15,267
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,782/mo (50% DSR)
Upfront cash ≈ HK$330K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,065
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,469
−HK$410/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,716
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,758/mo (50% DSR)
Upfront cash ≈ HK$330K (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).