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$7,514
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,747
−HK$238/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,970/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$8,359
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$227/mo
Today · 4.125%
HK$8,810
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,620/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$9,016
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$285/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,164/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$10,030
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$273/mo
Today · 4.125%
HK$10,572
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,144/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$10,519
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,846
−HK$333/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,859
+HK$680/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,358/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,702
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$318/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,668/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,524
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,945
−HK$427/mo
Today · 4.125%
HK$14,372
baseline
▲ 0.50% · 4.625%
HK$15,247
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,744/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$15,046
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$410/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,694
+HK$835/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,718/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).