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$7,525
−HK$472/mo
▼ 0.25% · 3.875%
HK$7,759
−HK$238/mo
Today · 4.125%
HK$7,997
baseline
▲ 0.50% · 4.625%
HK$8,484
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,994/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$8,372
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$228/mo
Today · 4.125%
HK$8,824
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$465/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,648/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$9,030
−HK$566/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$285/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,180
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,192/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$10,046
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$274/mo
Today · 4.125%
HK$10,589
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$558/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,178/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$10,535
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$333/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,877
+HK$681/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$22,392/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,720
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$318/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$652/mo
Deposit HK$990K · loan HK$2.31M · min. income ≈ HK$24,706/mo (50% DSR)
Upfront cash ≈ HK$990K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,545
−HK$850/mo
▼ 0.25% · 3.875%
HK$13,966
−HK$429/mo
Today · 4.125%
HK$14,395
baseline
▲ 0.50% · 4.625%
HK$15,270
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,790/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$15,069
−HK$814/mo
▼ 0.25% · 3.875%
HK$15,473
−HK$410/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$837/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,766/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).