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$7,577
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,813
−HK$240/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,106/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$8,430
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$229/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,770/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$9,093
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$287/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,251
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,326/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$10,116
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$275/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,224
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,324/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$10,608
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,938
−HK$336/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,548/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,802
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$321/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,095
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,878/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,639
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,064
−HK$431/mo
Today · 4.125%
HK$14,495
baseline
▲ 0.50% · 4.625%
HK$15,377
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,990/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$15,174
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,581
−HK$413/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,837
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,988/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).