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$7,583
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$239/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$491/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,116/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$8,436
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,662
−HK$230/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,360
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,784/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$9,100
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$287/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,340/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$10,123
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$275/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,340/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$10,616
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,946
−HK$336/mo
Today · 4.125%
HK$11,282
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$686/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,564/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$11,810
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$321/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$657/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,896/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$13,649
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,074
−HK$431/mo
Today · 4.125%
HK$14,505
baseline
▲ 0.50% · 4.625%
HK$15,388
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,010/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$15,185
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$413/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,010/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).