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$7,520
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$238/mo
Today · 4.125%
HK$7,991
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,982/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$8,365
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$227/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,282
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,634/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$9,024
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$285/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,178/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$10,039
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$273/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,162/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$10,527
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,855
−HK$333/mo
Today · 4.125%
HK$11,188
baseline
▲ 0.50% · 4.625%
HK$11,868
+HK$680/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,376/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$11,712
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,026
−HK$318/mo
Today · 4.125%
HK$12,344
baseline
▲ 0.50% · 4.625%
HK$12,995
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,688/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$13,535
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,956
−HK$428/mo
Today · 4.125%
HK$14,384
baseline
▲ 0.50% · 4.625%
HK$15,259
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,768/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$15,058
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,462
−HK$409/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,708
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,742/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).