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$7,515
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$238/mo
Today · 4.125%
HK$7,986
baseline
▲ 0.50% · 4.625%
HK$8,472
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,972/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$8,360
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,584
−HK$228/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,276
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,624/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$9,018
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$285/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,166/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$10,032
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$273/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,131
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,148/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$10,521
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$332/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,704
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$318/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,672/mo (50% DSR)
Upfront cash ≈ HK$989K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,527
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,947
−HK$428/mo
Today · 4.125%
HK$14,375
baseline
▲ 0.50% · 4.625%
HK$15,249
+HK$874/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,750/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$15,048
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$409/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,697
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,722/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).