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$7,522
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,756
−HK$238/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,480
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,988/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$8,368
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$227/mo
Today · 4.125%
HK$8,820
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,640/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$9,027
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,307
−HK$286/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,176
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,186/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$10,042
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,311
−HK$273/mo
Today · 4.125%
HK$10,584
baseline
▲ 0.50% · 4.625%
HK$11,142
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,168/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$10,531
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$332/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,382/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$11,716
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$319/mo
Today · 4.125%
HK$12,349
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$650/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,698/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$13,540
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,961
−HK$428/mo
Today · 4.125%
HK$14,389
baseline
▲ 0.50% · 4.625%
HK$15,264
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,778/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$15,063
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,467
−HK$410/mo
Today · 4.125%
HK$15,877
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,754/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).