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$7,525
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,760
−HK$237/mo
Today · 4.125%
HK$7,997
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,994/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$8,372
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$227/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,648/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$9,031
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$286/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,181
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,194/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$10,046
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$273/mo
Today · 4.125%
HK$10,589
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,178/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$10,536
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$333/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$682/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,392/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$11,721
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$319/mo
Today · 4.125%
HK$12,354
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,708/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$13,546
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,967
−HK$428/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,271
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,790/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$15,070
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$410/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,768/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).