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$7,528
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,762
−HK$238/mo
Today · 4.125%
HK$8,000
baseline
▲ 0.50% · 4.625%
HK$8,487
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,000/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$8,375
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$228/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,293
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,656/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$9,034
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,315
−HK$285/mo
Today · 4.125%
HK$9,600
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,200/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$10,050
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$273/mo
Today · 4.125%
HK$10,593
baseline
▲ 0.50% · 4.625%
HK$11,151
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,186/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$10,539
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$333/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,882
+HK$682/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,400/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$11,725
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$320/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,010
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,718/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$13,551
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,972
−HK$428/mo
Today · 4.125%
HK$14,400
baseline
▲ 0.50% · 4.625%
HK$15,277
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,800/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$15,075
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$411/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,780/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).