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$7,531
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,765
−HK$238/mo
Today · 4.125%
HK$8,003
baseline
▲ 0.50% · 4.625%
HK$8,490
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,006/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$8,378
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$228/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,297
+HK$466/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,662/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$9,037
−HK$567/mo
▼ 0.25% · 3.875%
HK$9,319
−HK$285/mo
Today · 4.125%
HK$9,604
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$585/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,208/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$10,054
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$273/mo
Today · 4.125%
HK$10,597
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,194/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$10,544
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$333/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,410/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$11,730
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,044
−HK$319/mo
Today · 4.125%
HK$12,363
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,726/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$13,556
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,978
−HK$428/mo
Today · 4.125%
HK$14,406
baseline
▲ 0.50% · 4.625%
HK$15,283
+HK$877/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,812/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$15,081
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$410/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,792/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).