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$7,524
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,758
−HK$238/mo
Today · 4.125%
HK$7,996
baseline
▲ 0.50% · 4.625%
HK$8,483
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,992/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$8,371
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$228/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,288
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,646/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$9,029
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$285/mo
Today · 4.125%
HK$9,595
baseline
▲ 0.50% · 4.625%
HK$10,179
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,190/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$10,045
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$274/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,176/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$10,534
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,862
−HK$333/mo
Today · 4.125%
HK$11,195
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,390/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$11,719
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$319/mo
Today · 4.125%
HK$12,352
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,704/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$13,544
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,965
−HK$428/mo
Today · 4.125%
HK$14,393
baseline
▲ 0.50% · 4.625%
HK$15,269
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,786/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$15,067
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$410/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,762/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).