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$7,558
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,793
−HK$239/mo
Today · 4.125%
HK$8,032
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,064/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$8,408
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$229/mo
Today · 4.125%
HK$8,862
baseline
▲ 0.50% · 4.625%
HK$9,329
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,724/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$9,069
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$287/mo
Today · 4.125%
HK$9,638
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,276/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$10,089
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,360
−HK$275/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,195
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,270/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$10,581
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,910
−HK$334/mo
Today · 4.125%
HK$11,244
baseline
▲ 0.50% · 4.625%
HK$11,928
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,488/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$11,771
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,087
−HK$320/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,061
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,814/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$13,604
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,027
−HK$430/mo
Today · 4.125%
HK$14,457
baseline
▲ 0.50% · 4.625%
HK$15,337
+HK$880/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,914/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$15,134
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$412/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,904/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).