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$7,564
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$239/mo
Today · 4.125%
HK$8,039
baseline
▲ 0.50% · 4.625%
HK$8,528
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,078/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$8,415
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$229/mo
Today · 4.125%
HK$8,870
baseline
▲ 0.50% · 4.625%
HK$9,337
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,740/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$9,077
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,360
−HK$286/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,292/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$10,098
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$275/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,205
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,288/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$10,590
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$335/mo
Today · 4.125%
HK$11,254
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,508/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,781
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$321/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,072
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,836/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,616
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,039
−HK$431/mo
Today · 4.125%
HK$14,470
baseline
▲ 0.50% · 4.625%
HK$15,350
+HK$880/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,940/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$15,147
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$412/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$841/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,932/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).