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$7,553
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,787
−HK$239/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,052/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$8,402
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,627
−HK$229/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,712/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$9,063
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$286/mo
Today · 4.125%
HK$9,631
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,262/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,083
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$274/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,254/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,574
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,902
−HK$335/mo
Today · 4.125%
HK$11,237
baseline
▲ 0.50% · 4.625%
HK$11,920
+HK$683/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,474/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$11,763
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$320/mo
Today · 4.125%
HK$12,398
baseline
▲ 0.50% · 4.625%
HK$13,052
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,796/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$13,595
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,017
−HK$430/mo
Today · 4.125%
HK$14,447
baseline
▲ 0.50% · 4.625%
HK$15,326
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,894/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$15,124
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$412/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,882/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).