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$7,518
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,752
−HK$237/mo
Today · 4.125%
HK$7,989
baseline
▲ 0.50% · 4.625%
HK$8,476
+HK$487/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,978/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$8,364
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,588
−HK$228/mo
Today · 4.125%
HK$8,816
baseline
▲ 0.50% · 4.625%
HK$9,280
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,632/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$9,022
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,302
−HK$285/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,171
+HK$584/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,174/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$10,036
−HK$543/mo
▼ 0.25% · 3.875%
HK$10,306
−HK$273/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,136
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,158/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$10,525
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,853
−HK$332/mo
Today · 4.125%
HK$11,185
baseline
▲ 0.50% · 4.625%
HK$11,866
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,370/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$11,709
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,023
−HK$319/mo
Today · 4.125%
HK$12,342
baseline
▲ 0.50% · 4.625%
HK$12,992
+HK$650/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,684/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$13,532
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,953
−HK$428/mo
Today · 4.125%
HK$14,381
baseline
▲ 0.50% · 4.625%
HK$15,256
+HK$875/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,762/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$15,055
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$410/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,736/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).