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$7,515
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,749
−HK$237/mo
Today · 4.125%
HK$7,986
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,972/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$8,361
−HK$451/mo
▼ 0.25% · 3.875%
HK$8,585
−HK$227/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,277
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,624/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$9,018
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,299
−HK$285/mo
Today · 4.125%
HK$9,584
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,168/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$10,033
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,302
−HK$273/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,132
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,150/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$10,521
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$332/mo
Today · 4.125%
HK$11,181
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$680/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,362/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$11,705
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$318/mo
Today · 4.125%
HK$12,337
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,674/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$13,527
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,948
−HK$428/mo
Today · 4.125%
HK$14,376
baseline
▲ 0.50% · 4.625%
HK$15,250
+HK$874/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,752/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$15,049
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$409/mo
Today · 4.125%
HK$15,862
baseline
▲ 0.50% · 4.625%
HK$16,698
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,724/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).