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$7,520
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,754
−HK$238/mo
Today · 4.125%
HK$7,992
baseline
▲ 0.50% · 4.625%
HK$8,478
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,984/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$8,366
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$228/mo
Today · 4.125%
HK$8,818
baseline
▲ 0.50% · 4.625%
HK$9,283
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,636/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$9,024
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,305
−HK$285/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,174
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,180/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$10,039
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$273/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,164/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$10,528
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$332/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,869
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,376/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,713
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$318/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,690/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,536
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,957
−HK$428/mo
Today · 4.125%
HK$14,385
baseline
▲ 0.50% · 4.625%
HK$15,260
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,770/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$15,059
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$410/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,746/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).