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$7,560
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,795
−HK$239/mo
Today · 4.125%
HK$8,034
baseline
▲ 0.50% · 4.625%
HK$8,523
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,068/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$8,410
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,636
−HK$229/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,332
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,730/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$9,072
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,354
−HK$287/mo
Today · 4.125%
HK$9,641
baseline
▲ 0.50% · 4.625%
HK$10,227
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,282/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$10,092
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$275/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,198
+HK$560/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,276/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$10,584
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$335/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$684/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,496/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$11,774
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$321/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,065
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,822/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$13,608
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,031
−HK$430/mo
Today · 4.125%
HK$14,461
baseline
▲ 0.50% · 4.625%
HK$15,341
+HK$880/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$28,922/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$15,138
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,544
−HK$412/mo
Today · 4.125%
HK$15,956
baseline
▲ 0.50% · 4.625%
HK$16,797
+HK$841/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$31,912/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).