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$7,532
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,766
−HK$238/mo
Today · 4.125%
HK$8,004
baseline
▲ 0.50% · 4.625%
HK$8,491
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,008/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$8,379
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$228/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,297
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,662/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$9,038
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$286/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,210/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$10,055
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$274/mo
Today · 4.125%
HK$10,598
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,196/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$10,544
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$333/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,410/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,730
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$319/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,016
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,557
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,978
−HK$429/mo
Today · 4.125%
HK$14,407
baseline
▲ 0.50% · 4.625%
HK$15,284
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,814/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$15,082
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$411/mo
Today · 4.125%
HK$15,897
baseline
▲ 0.50% · 4.625%
HK$16,735
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,794/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).