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$7,532
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,767
−HK$238/mo
Today · 4.125%
HK$8,005
baseline
▲ 0.50% · 4.625%
HK$8,492
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,010/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$8,380
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$228/mo
Today · 4.125%
HK$8,832
baseline
▲ 0.50% · 4.625%
HK$9,298
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,664/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$9,039
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$285/mo
Today · 4.125%
HK$9,605
baseline
▲ 0.50% · 4.625%
HK$10,190
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,210/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$10,055
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$274/mo
Today · 4.125%
HK$10,599
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,198/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$10,545
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$333/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,412/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,731
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$319/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,730/mo (50% DSR)
Upfront cash ≈ HK$991K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,558
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,980
−HK$428/mo
Today · 4.125%
HK$14,408
baseline
▲ 0.50% · 4.625%
HK$15,285
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,816/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$15,083
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$410/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,796/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).