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$7,519
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,753
−HK$237/mo
Today · 4.125%
HK$7,990
baseline
▲ 0.50% · 4.625%
HK$8,477
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,980/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$8,365
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,589
−HK$228/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,634/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$9,023
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,303
−HK$286/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,172
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,178/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$10,038
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,307
−HK$273/mo
Today · 4.125%
HK$10,580
baseline
▲ 0.50% · 4.625%
HK$11,138
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,160/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$10,527
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,854
−HK$333/mo
Today · 4.125%
HK$11,187
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$680/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,374/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$11,711
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,025
−HK$318/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$12,994
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,686/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$13,534
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,955
−HK$428/mo
Today · 4.125%
HK$14,383
baseline
▲ 0.50% · 4.625%
HK$15,258
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,766/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$15,057
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$410/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,707
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,740/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).