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$7,555
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,790
−HK$239/mo
Today · 4.125%
HK$8,029
baseline
▲ 0.50% · 4.625%
HK$8,518
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,058/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$8,405
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$228/mo
Today · 4.125%
HK$8,859
baseline
▲ 0.50% · 4.625%
HK$9,326
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,718/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$9,066
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$287/mo
Today · 4.125%
HK$9,635
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,270/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$10,086
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$274/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,262/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$10,578
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$334/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,482/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,767
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$320/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,806/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,600
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,023
−HK$429/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,332
+HK$880/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,904/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$412/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,894/mo (50% DSR)
Upfront cash ≈ HK$331K (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).