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$7,581
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,817
−HK$239/mo
Today · 4.125%
HK$8,056
baseline
▲ 0.50% · 4.625%
HK$8,546
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,112/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$8,434
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$229/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,358
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,778/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$9,097
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,380
−HK$287/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,256
+HK$589/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,334/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$10,120
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,392
−HK$275/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,229
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,334/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$10,613
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,943
−HK$336/mo
Today · 4.125%
HK$11,279
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,558/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$11,807
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,124
−HK$321/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,101
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,890/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$13,645
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,070
−HK$431/mo
Today · 4.125%
HK$14,501
baseline
▲ 0.50% · 4.625%
HK$15,384
+HK$883/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$29,002/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$15,180
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,588
−HK$413/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,844
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$32,002/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).