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$7,556
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,791
−HK$239/mo
Today · 4.125%
HK$8,030
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,060/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$8,406
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$229/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,720/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$9,067
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$287/mo
Today · 4.125%
HK$9,636
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,272/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$10,087
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,358
−HK$274/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,264/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$10,578
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$335/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,484/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$11,768
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$320/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,058
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,808/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$13,601
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,024
−HK$430/mo
Today · 4.125%
HK$14,454
baseline
▲ 0.50% · 4.625%
HK$15,333
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,908/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$15,131
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,537
−HK$411/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,789
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,896/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).