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$7,584
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,819
−HK$240/mo
Today · 4.125%
HK$8,059
baseline
▲ 0.50% · 4.625%
HK$8,549
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,118/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$8,437
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,663
−HK$229/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,361
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,784/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$9,100
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,383
−HK$288/mo
Today · 4.125%
HK$9,671
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$588/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,342/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$10,124
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,395
−HK$276/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,233
+HK$562/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,342/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$10,617
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,947
−HK$336/mo
Today · 4.125%
HK$11,283
baseline
▲ 0.50% · 4.625%
HK$11,969
+HK$686/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,566/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$11,811
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,128
−HK$321/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,106
+HK$657/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,898/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$13,650
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,075
−HK$431/mo
Today · 4.125%
HK$14,506
baseline
▲ 0.50% · 4.625%
HK$15,389
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,012/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$15,186
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$413/mo
Today · 4.125%
HK$16,006
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,012/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).