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$7,584
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,820
−HK$240/mo
Today · 4.125%
HK$8,060
baseline
▲ 0.50% · 4.625%
HK$8,550
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,120/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$8,437
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$229/mo
Today · 4.125%
HK$8,893
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,786/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$9,101
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,384
−HK$288/mo
Today · 4.125%
HK$9,672
baseline
▲ 0.50% · 4.625%
HK$10,260
+HK$588/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,344/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$10,125
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,396
−HK$276/mo
Today · 4.125%
HK$10,672
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$562/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,344/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$10,618
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,948
−HK$336/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$686/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,568/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,812
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$321/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,107
+HK$657/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,900/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,651
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,076
−HK$432/mo
Today · 4.125%
HK$14,508
baseline
▲ 0.50% · 4.625%
HK$15,390
+HK$882/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,016/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,594
−HK$414/mo
Today · 4.125%
HK$16,008
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$843/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,016/mo (50% DSR)
Upfront cash ≈ HK$333K (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).