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$7,586
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,822
−HK$240/mo
Today · 4.125%
HK$8,062
baseline
▲ 0.50% · 4.625%
HK$8,552
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,124/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$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$230/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,792/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$9,103
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$287/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,263
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,348/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$10,127
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$276/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$562/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,350/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$10,621
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,951
−HK$336/mo
Today · 4.125%
HK$11,287
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$686/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,574/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,815
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$322/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$656/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,908/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$431/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,394
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,022/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$15,191
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$413/mo
Today · 4.125%
HK$16,012
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,024/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).