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$7,571
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,807
−HK$239/mo
Today · 4.125%
HK$8,046
baseline
▲ 0.50% · 4.625%
HK$8,535
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,092/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$8,423
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$229/mo
Today · 4.125%
HK$8,878
baseline
▲ 0.50% · 4.625%
HK$9,346
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,756/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$9,085
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,368
−HK$287/mo
Today · 4.125%
HK$9,655
baseline
▲ 0.50% · 4.625%
HK$10,242
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,310/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$10,107
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,378
−HK$275/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,215
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,306/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$10,599
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,929
−HK$335/mo
Today · 4.125%
HK$11,264
baseline
▲ 0.50% · 4.625%
HK$11,949
+HK$685/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$22,528/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,792
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,108
−HK$321/mo
Today · 4.125%
HK$12,429
baseline
▲ 0.50% · 4.625%
HK$13,084
+HK$655/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$24,858/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,628
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,052
−HK$430/mo
Today · 4.125%
HK$14,482
baseline
▲ 0.50% · 4.625%
HK$15,364
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,964/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$15,161
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$413/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$842/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,960/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).