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$7,564
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,799
−HK$239/mo
Today · 4.125%
HK$8,038
baseline
▲ 0.50% · 4.625%
HK$8,527
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,076/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$8,415
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$229/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,337
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,738/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$9,077
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,359
−HK$287/mo
Today · 4.125%
HK$9,646
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,292/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$10,098
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,368
−HK$275/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,204
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,286/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$10,589
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,919
−HK$334/mo
Today · 4.125%
HK$11,253
baseline
▲ 0.50% · 4.625%
HK$11,938
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,506/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,780
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,096
−HK$321/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,071
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,834/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,615
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,038
−HK$431/mo
Today · 4.125%
HK$14,469
baseline
▲ 0.50% · 4.625%
HK$15,349
+HK$880/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,938/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$15,146
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$412/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$841/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,930/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).