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$7,574
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,810
−HK$239/mo
Today · 4.125%
HK$8,049
baseline
▲ 0.50% · 4.625%
HK$8,539
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,098/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$8,426
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,652
−HK$230/mo
Today · 4.125%
HK$8,882
baseline
▲ 0.50% · 4.625%
HK$9,350
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,764/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$9,089
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,372
−HK$287/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,318/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$10,112
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,383
−HK$275/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,220
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,316/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$10,604
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,934
−HK$335/mo
Today · 4.125%
HK$11,269
baseline
▲ 0.50% · 4.625%
HK$11,955
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,538/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$11,797
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,113
−HK$321/mo
Today · 4.125%
HK$12,434
baseline
▲ 0.50% · 4.625%
HK$13,090
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,868/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$13,634
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,058
−HK$431/mo
Today · 4.125%
HK$14,489
baseline
▲ 0.50% · 4.625%
HK$15,370
+HK$881/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,978/mo (50% DSR)
Upfront cash ≈ HK$332K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,168
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,574
−HK$413/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,974/mo (50% DSR)
Upfront cash ≈ HK$332K (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).