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$7,514
−HK$471/mo
▼ 0.25% · 3.875%
HK$7,748
−HK$237/mo
Today · 4.125%
HK$7,985
baseline
▲ 0.50% · 4.625%
HK$8,471
+HK$486/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$15,970/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$8,359
−HK$452/mo
▼ 0.25% · 3.875%
HK$8,584
−HK$227/mo
Today · 4.125%
HK$8,811
baseline
▲ 0.50% · 4.625%
HK$9,275
+HK$464/mo
Deposit HK$1.65M · loan HK$1.65M · min. income ≈ HK$17,622/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$9,017
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$285/mo
Today · 4.125%
HK$9,582
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$583/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$19,164/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$10,031
−HK$542/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$273/mo
Today · 4.125%
HK$10,573
baseline
▲ 0.50% · 4.625%
HK$11,130
+HK$557/mo
Deposit HK$1.32M · loan HK$1.98M · min. income ≈ HK$21,146/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$10,520
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$332/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$681/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$22,358/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$11,703
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$318/mo
Today · 4.125%
HK$12,335
baseline
▲ 0.50% · 4.625%
HK$12,986
+HK$651/mo
Deposit HK$989K · loan HK$2.31M · min. income ≈ HK$24,670/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$13,525
−HK$849/mo
▼ 0.25% · 3.875%
HK$13,946
−HK$428/mo
Today · 4.125%
HK$14,374
baseline
▲ 0.50% · 4.625%
HK$15,248
+HK$874/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$28,748/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$15,047
−HK$813/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$410/mo
Today · 4.125%
HK$15,860
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$836/mo
Deposit HK$330K · loan HK$2.97M · min. income ≈ HK$31,720/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).