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$7,529
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,763
−HK$238/mo
Today · 4.125%
HK$8,001
baseline
▲ 0.50% · 4.625%
HK$8,488
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,002/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$8,376
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$228/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,658/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$9,035
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$286/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,186
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,204/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$10,051
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$273/mo
Today · 4.125%
HK$10,594
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,188/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$10,541
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,869
−HK$333/mo
Today · 4.125%
HK$11,202
baseline
▲ 0.50% · 4.625%
HK$11,884
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,404/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$11,727
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,041
−HK$319/mo
Today · 4.125%
HK$12,360
baseline
▲ 0.50% · 4.625%
HK$13,012
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,720/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$13,553
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,974
−HK$428/mo
Today · 4.125%
HK$14,402
baseline
▲ 0.50% · 4.625%
HK$15,279
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,804/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$15,077
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$411/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,729
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,784/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).