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$7,516
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,750
−HK$238/mo
Today · 4.125%
HK$7,988
baseline
▲ 0.50% · 4.625%
HK$8,474
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,976/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$8,362
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,586
−HK$228/mo
Today · 4.125%
HK$8,814
baseline
▲ 0.50% · 4.625%
HK$9,278
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,628/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$9,020
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$285/mo
Today · 4.125%
HK$9,585
baseline
▲ 0.50% · 4.625%
HK$10,169
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,170/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$10,034
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$273/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,134
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,152/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$10,523
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$333/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$680/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,366/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$11,707
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$318/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,678/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$13,530
−HK$848/mo
▼ 0.25% · 3.875%
HK$13,950
−HK$428/mo
Today · 4.125%
HK$14,378
baseline
▲ 0.50% · 4.625%
HK$15,253
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,756/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$15,051
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$410/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,701
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,730/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).