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$7,585
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,821
−HK$240/mo
Today · 4.125%
HK$8,061
baseline
▲ 0.50% · 4.625%
HK$8,551
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,122/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$8,438
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$229/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,363
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,788/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$9,102
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,385
−HK$288/mo
Today · 4.125%
HK$9,673
baseline
▲ 0.50% · 4.625%
HK$10,261
+HK$588/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,346/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$10,126
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$275/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,346/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$10,619
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,949
−HK$336/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$687/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,570/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,814
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$322/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,108
+HK$656/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,904/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,653
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,078
−HK$431/mo
Today · 4.125%
HK$14,509
baseline
▲ 0.50% · 4.625%
HK$15,392
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,018/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$15,189
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$414/mo
Today · 4.125%
HK$16,010
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$843/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,020/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).