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$7,592
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$239/mo
Today · 4.125%
HK$8,068
baseline
▲ 0.50% · 4.625%
HK$8,559
+HK$491/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,136/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$8,446
−HK$457/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$230/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,806/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$9,111
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,394
−HK$288/mo
Today · 4.125%
HK$9,682
baseline
▲ 0.50% · 4.625%
HK$10,271
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,364/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$10,136
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,408
−HK$275/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,246
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,366/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$10,629
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$336/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,983
+HK$687/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$22,592/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$11,825
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$322/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$657/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$24,928/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$13,666
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$432/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,046/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$15,204
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$414/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$845/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,050/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).