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$7,553
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,788
−HK$238/mo
Today · 4.125%
HK$8,026
baseline
▲ 0.50% · 4.625%
HK$8,515
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,052/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$8,402
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$228/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,712/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$9,063
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$287/mo
Today · 4.125%
HK$9,632
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,264/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$10,083
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$275/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,256/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$10,574
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,903
−HK$334/mo
Today · 4.125%
HK$11,237
baseline
▲ 0.50% · 4.625%
HK$11,921
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,474/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$11,763
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,079
−HK$320/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$654/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$24,798/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$13,595
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,018
−HK$430/mo
Today · 4.125%
HK$14,448
baseline
▲ 0.50% · 4.625%
HK$15,327
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,896/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$15,124
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,530
−HK$412/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,884/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).