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$7,557
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,792
−HK$239/mo
Today · 4.125%
HK$8,031
baseline
▲ 0.50% · 4.625%
HK$8,520
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,062/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$8,407
−HK$455/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$568/mo
▼ 0.25% · 3.875%
HK$9,351
−HK$286/mo
Today · 4.125%
HK$9,637
baseline
▲ 0.50% · 4.625%
HK$10,224
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,274/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$545/mo
▼ 0.25% · 3.875%
HK$10,359
−HK$275/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,268/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$10,580
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$335/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$11,770
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,086
−HK$320/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,812/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$13,603
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,026
−HK$430/mo
Today · 4.125%
HK$14,456
baseline
▲ 0.50% · 4.625%
HK$15,336
+HK$880/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,912/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$15,133
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,539
−HK$412/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,792
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,902/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).