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$474/mo
▼ 0.25% · 3.875%
HK$7,789
−HK$239/mo
Today · 4.125%
HK$8,028
baseline
▲ 0.50% · 4.625%
HK$8,516
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,056/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$9,325
+HK$467/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$569/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$287/mo
Today · 4.125%
HK$9,634
baseline
▲ 0.50% · 4.625%
HK$10,220
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,268/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$10,085
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$275/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,260/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$10,576
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$334/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,478/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$11,766
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$320/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$654/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$13,598
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,021
−HK$429/mo
Today · 4.125%
HK$14,450
baseline
▲ 0.50% · 4.625%
HK$15,330
+HK$880/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,900/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$15,127
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$411/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,785
+HK$841/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).