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$7,530
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,764
−HK$238/mo
Today · 4.125%
HK$8,002
baseline
▲ 0.50% · 4.625%
HK$8,489
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$16,004/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$8,377
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$227/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,295
+HK$466/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$9,036
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$285/mo
Today · 4.125%
HK$9,602
baseline
▲ 0.50% · 4.625%
HK$10,187
+HK$585/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$10,052
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$273/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,154
+HK$559/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,190/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$10,542
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,870
−HK$333/mo
Today · 4.125%
HK$11,203
baseline
▲ 0.50% · 4.625%
HK$11,885
+HK$682/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$22,406/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$11,728
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$319/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,013
+HK$652/mo
Deposit HK$991K · loan HK$2.31M · min. income ≈ HK$24,722/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$13,554
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,975
−HK$429/mo
Today · 4.125%
HK$14,404
baseline
▲ 0.50% · 4.625%
HK$15,280
+HK$876/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,808/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$15,078
−HK$815/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$410/mo
Today · 4.125%
HK$15,893
baseline
▲ 0.50% · 4.625%
HK$16,731
+HK$838/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,786/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).