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$7,517
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,751
−HK$238/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,475
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,978/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$8,363
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,587
−HK$228/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,630/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$9,021
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$285/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,170
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,174/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$10,036
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,305
−HK$273/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,156/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$10,524
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,852
−HK$332/mo
Today · 4.125%
HK$11,184
baseline
▲ 0.50% · 4.625%
HK$11,865
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,368/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$11,708
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,022
−HK$319/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$12,991
+HK$650/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,682/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$13,531
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,952
−HK$428/mo
Today · 4.125%
HK$14,380
baseline
▲ 0.50% · 4.625%
HK$15,255
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,760/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$15,054
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$410/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,703
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,734/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).