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$7,568
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,804
−HK$239/mo
Today · 4.125%
HK$8,043
baseline
▲ 0.50% · 4.625%
HK$8,532
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,086/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,420
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$230/mo
Today · 4.125%
HK$8,875
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,750/mo (50% DSR)
Upfront cash ≈ HK$1.66M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,082
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,364
−HK$288/mo
Today · 4.125%
HK$9,652
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,304/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,104
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,375
−HK$274/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,298/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,596
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,925
−HK$335/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$685/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$22,520/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,788
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$320/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$655/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$24,848/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,623
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,047
−HK$430/mo
Today · 4.125%
HK$14,477
baseline
▲ 0.50% · 4.625%
HK$15,358
+HK$881/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,954/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$412/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$842/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$332K (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).