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$7,536
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,770
−HK$238/mo
Today · 4.125%
HK$8,008
baseline
▲ 0.50% · 4.625%
HK$8,495
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,016/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$8,383
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$228/mo
Today · 4.125%
HK$8,836
baseline
▲ 0.50% · 4.625%
HK$9,302
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,672/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$9,043
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$286/mo
Today · 4.125%
HK$9,610
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,220/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$10,060
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,330
−HK$273/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,206/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$10,550
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,878
−HK$333/mo
Today · 4.125%
HK$11,211
baseline
▲ 0.50% · 4.625%
HK$11,893
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,422/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,736
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$320/mo
Today · 4.125%
HK$12,371
baseline
▲ 0.50% · 4.625%
HK$13,023
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,742/mo (50% DSR)
Upfront cash ≈ HK$992K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,564
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,986
−HK$429/mo
Today · 4.125%
HK$14,415
baseline
▲ 0.50% · 4.625%
HK$15,292
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,830/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,090
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$411/mo
Today · 4.125%
HK$15,905
baseline
▲ 0.50% · 4.625%
HK$16,743
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,810/mo (50% DSR)
Upfront cash ≈ HK$331K (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).