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$7,521
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,755
−HK$238/mo
Today · 4.125%
HK$7,993
baseline
▲ 0.50% · 4.625%
HK$8,479
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,986/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$8,368
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,592
−HK$228/mo
Today · 4.125%
HK$8,820
baseline
▲ 0.50% · 4.625%
HK$9,285
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,640/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$9,026
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$286/mo
Today · 4.125%
HK$9,592
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,184/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$10,041
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,310
−HK$274/mo
Today · 4.125%
HK$10,584
baseline
▲ 0.50% · 4.625%
HK$11,141
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,168/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$10,530
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,858
−HK$332/mo
Today · 4.125%
HK$11,190
baseline
▲ 0.50% · 4.625%
HK$11,871
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,380/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$11,715
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$318/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$12,998
+HK$651/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,694/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$13,539
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,960
−HK$428/mo
Today · 4.125%
HK$14,388
baseline
▲ 0.50% · 4.625%
HK$15,263
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,776/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$15,062
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$409/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,750/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).