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$7,552
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,787
−HK$238/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,514
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,050/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$8,401
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,627
−HK$228/mo
Today · 4.125%
HK$8,855
baseline
▲ 0.50% · 4.625%
HK$9,322
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,710/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$9,062
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,344
−HK$287/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,262/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$10,082
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$274/mo
Today · 4.125%
HK$10,626
baseline
▲ 0.50% · 4.625%
HK$11,186
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,252/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$10,573
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,901
−HK$335/mo
Today · 4.125%
HK$11,236
baseline
▲ 0.50% · 4.625%
HK$11,919
+HK$683/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,472/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,762
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$320/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,794/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,593
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,016
−HK$430/mo
Today · 4.125%
HK$14,446
baseline
▲ 0.50% · 4.625%
HK$15,325
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,892/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$412/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$331K (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).