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$7,534
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,768
−HK$238/mo
Today · 4.125%
HK$8,006
baseline
▲ 0.50% · 4.625%
HK$8,493
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,012/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$8,381
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$228/mo
Today · 4.125%
HK$8,834
baseline
▲ 0.50% · 4.625%
HK$9,300
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,668/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$9,041
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$285/mo
Today · 4.125%
HK$9,607
baseline
▲ 0.50% · 4.625%
HK$10,192
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,214/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$10,058
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,327
−HK$274/mo
Today · 4.125%
HK$10,601
baseline
▲ 0.50% · 4.625%
HK$11,160
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,202/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$10,547
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,875
−HK$334/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,891
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,418/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$11,734
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$320/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,020
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,736/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$13,561
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,983
−HK$428/mo
Today · 4.125%
HK$14,411
baseline
▲ 0.50% · 4.625%
HK$15,288
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,822/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$15,086
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$410/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,740
+HK$839/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,802/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).