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$7,527
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,761
−HK$238/mo
Today · 4.125%
HK$7,999
baseline
▲ 0.50% · 4.625%
HK$8,485
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,998/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$8,373
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$228/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,652/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$9,032
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,313
−HK$285/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,196/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$10,048
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,317
−HK$274/mo
Today · 4.125%
HK$10,591
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,182/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$10,537
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,865
−HK$333/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,723
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$319/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,712/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,548
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,969
−HK$428/mo
Today · 4.125%
HK$14,397
baseline
▲ 0.50% · 4.625%
HK$15,273
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,794/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$15,072
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$410/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,772/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).