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$7,521
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,754
−HK$238/mo
Today · 4.125%
HK$7,992
baseline
▲ 0.50% · 4.625%
HK$8,478
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,984/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$8,367
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,591
−HK$228/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,283
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,638/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$9,025
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,305
−HK$286/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,174
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,182/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$10,040
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$273/mo
Today · 4.125%
HK$10,582
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,164/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$10,529
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,856
−HK$333/mo
Today · 4.125%
HK$11,189
baseline
▲ 0.50% · 4.625%
HK$11,870
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,378/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,713
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$319/mo
Today · 4.125%
HK$12,346
baseline
▲ 0.50% · 4.625%
HK$12,997
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,692/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,537
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,958
−HK$428/mo
Today · 4.125%
HK$14,386
baseline
▲ 0.50% · 4.625%
HK$15,261
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,772/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$15,060
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$409/mo
Today · 4.125%
HK$15,873
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,746/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).