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$7,517
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,751
−HK$237/mo
Today · 4.125%
HK$7,988
baseline
▲ 0.50% · 4.625%
HK$8,474
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,976/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$8,362
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,587
−HK$227/mo
Today · 4.125%
HK$8,814
baseline
▲ 0.50% · 4.625%
HK$9,279
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,628/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$9,020
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,301
−HK$285/mo
Today · 4.125%
HK$9,586
baseline
▲ 0.50% · 4.625%
HK$10,169
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,172/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$10,035
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,304
−HK$273/mo
Today · 4.125%
HK$10,577
baseline
▲ 0.50% · 4.625%
HK$11,135
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,154/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$10,524
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,851
−HK$332/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,864
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,366/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$11,707
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$319/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$650/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,680/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$13,530
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,951
−HK$428/mo
Today · 4.125%
HK$14,379
baseline
▲ 0.50% · 4.625%
HK$15,254
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,758/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$15,052
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$409/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,702
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,730/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).