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$7,535
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,769
−HK$239/mo
Today · 4.125%
HK$8,008
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,016/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$8,383
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$228/mo
Today · 4.125%
HK$8,836
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,672/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$9,042
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,323
−HK$286/mo
Today · 4.125%
HK$9,609
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,218/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$10,059
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$274/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,206/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$10,549
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,877
−HK$334/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,422/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$11,736
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$319/mo
Today · 4.125%
HK$12,370
baseline
▲ 0.50% · 4.625%
HK$13,022
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,740/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$13,563
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,985
−HK$429/mo
Today · 4.125%
HK$14,414
baseline
▲ 0.50% · 4.625%
HK$15,291
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,828/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,089
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$410/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,742
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$331K (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).