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$7,580
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$240/mo
Today · 4.125%
HK$8,055
baseline
▲ 0.50% · 4.625%
HK$8,545
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,110/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$8,432
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$230/mo
Today · 4.125%
HK$8,888
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,776/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$9,096
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,379
−HK$287/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,332/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$10,119
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$275/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,228
+HK$563/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,330/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$10,612
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$335/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,554/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$11,805
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$321/mo
Today · 4.125%
HK$12,443
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,886/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$13,643
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,068
−HK$431/mo
Today · 4.125%
HK$14,499
baseline
▲ 0.50% · 4.625%
HK$15,381
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,998/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$15,178
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,585
−HK$413/mo
Today · 4.125%
HK$15,998
baseline
▲ 0.50% · 4.625%
HK$16,841
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,996/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).