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$7,516
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,750
−HK$237/mo
Today · 4.125%
HK$7,987
baseline
▲ 0.50% · 4.625%
HK$8,473
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,974/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$451/mo
▼ 0.25% · 3.875%
HK$8,586
−HK$227/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,278
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,626/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$9,019
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$285/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,170/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$10,034
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$273/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,133
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,152/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$10,523
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$332/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,364/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$11,706
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$319/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$12,989
+HK$650/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,678/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$13,529
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$427/mo
Today · 4.125%
HK$14,377
baseline
▲ 0.50% · 4.625%
HK$15,252
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,754/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$15,051
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,454
−HK$410/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,700
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,728/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).