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$7,550
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,784
−HK$239/mo
Today · 4.125%
HK$8,023
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,046/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$8,399
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$229/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$466/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,706/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$9,059
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$287/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$585/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,256/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$10,079
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$274/mo
Today · 4.125%
HK$10,623
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,246/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$10,569
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$334/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$684/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,464/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,758
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$320/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,788/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,589
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$429/mo
Today · 4.125%
HK$14,441
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,882/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$15,118
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,523
−HK$412/mo
Today · 4.125%
HK$15,935
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,870/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).