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$7,554
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$238/mo
Today · 4.125%
HK$8,027
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,054/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$8,404
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$229/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,324
+HK$466/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,716/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$9,065
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$286/mo
Today · 4.125%
HK$9,633
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,266/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$10,084
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$274/mo
Today · 4.125%
HK$10,629
baseline
▲ 0.50% · 4.625%
HK$11,189
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,258/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$10,575
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,904
−HK$334/mo
Today · 4.125%
HK$11,238
baseline
▲ 0.50% · 4.625%
HK$11,922
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,476/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$11,765
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$321/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,054
+HK$653/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,802/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$13,597
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,020
−HK$429/mo
Today · 4.125%
HK$14,449
baseline
▲ 0.50% · 4.625%
HK$15,329
+HK$880/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,898/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$15,126
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,532
−HK$412/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,888/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).