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$8,517
+HK$488/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$8,630
−HK$229/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$10,356
−HK$275/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$560/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$10,577
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$334/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,924
+HK$684/mo
Deposit HK$994K · loan HK$2.32M · min. income ≈ HK$22,480/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$12,082
−HK$321/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,056
+HK$653/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$13,599
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,022
−HK$430/mo
Today · 4.125%
HK$14,452
baseline
▲ 0.50% · 4.625%
HK$15,331
+HK$879/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$817/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$411/mo
Today · 4.125%
HK$15,946
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$841/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,892/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).