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$7,570
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,805
−HK$240/mo
Today · 4.125%
HK$8,045
baseline
▲ 0.50% · 4.625%
HK$8,534
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,090/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$8,421
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,647
−HK$229/mo
Today · 4.125%
HK$8,876
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,752/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$9,084
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,366
−HK$287/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,306/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$10,106
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$275/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,304/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$10,598
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$335/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,948
+HK$686/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$22,524/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,790
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$321/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$655/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$24,854/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,626
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,050
−HK$430/mo
Today · 4.125%
HK$14,480
baseline
▲ 0.50% · 4.625%
HK$15,361
+HK$881/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,960/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$15,158
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$412/mo
Today · 4.125%
HK$15,977
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,954/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).