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$471/mo
▼ 0.25% · 3.875%
HK$7,757
−HK$237/mo
Today · 4.125%
HK$7,994
baseline
▲ 0.50% · 4.625%
HK$8,481
+HK$487/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$8,369
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$228/mo
Today · 4.125%
HK$8,821
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,642/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$9,308
−HK$285/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$584/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$10,043
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,312
−HK$273/mo
Today · 4.125%
HK$10,585
baseline
▲ 0.50% · 4.625%
HK$11,143
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,170/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$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$333/mo
Today · 4.125%
HK$11,192
baseline
▲ 0.50% · 4.625%
HK$11,873
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,384/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$12,031
−HK$318/mo
Today · 4.125%
HK$12,349
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$651/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$13,541
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,962
−HK$428/mo
Today · 4.125%
HK$14,390
baseline
▲ 0.50% · 4.625%
HK$15,266
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,780/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$15,064
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$410/mo
Today · 4.125%
HK$15,878
baseline
▲ 0.50% · 4.625%
HK$16,715
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,756/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).