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$8,486
+HK$487/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$8,374
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,599
−HK$227/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$466/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$9,033
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,314
−HK$285/mo
Today · 4.125%
HK$9,599
baseline
▲ 0.50% · 4.625%
HK$10,183
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,198/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$10,049
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$274/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,150
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,184/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$10,538
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,866
−HK$333/mo
Today · 4.125%
HK$11,199
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,398/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$11,724
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$319/mo
Today · 4.125%
HK$12,357
baseline
▲ 0.50% · 4.625%
HK$13,008
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,714/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$13,549
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,971
−HK$428/mo
Today · 4.125%
HK$14,399
baseline
▲ 0.50% · 4.625%
HK$15,275
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,798/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$15,073
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,477
−HK$411/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,725
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,776/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).