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$7,586
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$240/mo
Today · 4.125%
HK$8,062
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,124/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$8,439
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$229/mo
Today · 4.125%
HK$8,895
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,790/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$9,103
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,386
−HK$288/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,263
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,348/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$10,127
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$275/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,348/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$10,620
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$335/mo
Today · 4.125%
HK$11,286
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$687/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,572/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,815
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$321/mo
Today · 4.125%
HK$12,453
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$657/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,906/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,079
−HK$432/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,394
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,022/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,191
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,598
−HK$413/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,022/mo (50% DSR)
Upfront cash ≈ HK$333K (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).