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$7,591
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,827
−HK$240/mo
Today · 4.125%
HK$8,067
baseline
▲ 0.50% · 4.625%
HK$8,558
+HK$491/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,134/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$8,445
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,671
−HK$230/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,370
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,802/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$9,109
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,392
−HK$288/mo
Today · 4.125%
HK$9,680
baseline
▲ 0.50% · 4.625%
HK$10,269
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,360/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$10,133
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$276/mo
Today · 4.125%
HK$10,681
baseline
▲ 0.50% · 4.625%
HK$11,244
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,362/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$10,627
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$335/mo
Today · 4.125%
HK$11,293
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$688/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$22,586/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,822
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,139
−HK$322/mo
Today · 4.125%
HK$12,461
baseline
▲ 0.50% · 4.625%
HK$13,118
+HK$657/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$24,922/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,663
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$432/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,040/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$15,200
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$413/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,042/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).