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$7,587
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$239/mo
Today · 4.125%
HK$8,062
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$491/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,124/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$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$230/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,792/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$9,104
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$288/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,350/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$10,128
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$275/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,350/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$10,621
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$335/mo
Today · 4.125%
HK$11,287
baseline
▲ 0.50% · 4.625%
HK$11,974
+HK$687/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,574/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$11,816
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$321/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,111
+HK$657/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,908/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$13,656
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$431/mo
Today · 4.125%
HK$14,512
baseline
▲ 0.50% · 4.625%
HK$15,395
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,024/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$15,192
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$413/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,026/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).