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$7,565
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,800
−HK$239/mo
Today · 4.125%
HK$8,039
baseline
▲ 0.50% · 4.625%
HK$8,528
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,078/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$8,416
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$229/mo
Today · 4.125%
HK$8,870
baseline
▲ 0.50% · 4.625%
HK$9,338
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,740/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$9,078
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,360
−HK$287/mo
Today · 4.125%
HK$9,647
baseline
▲ 0.50% · 4.625%
HK$10,234
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,294/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$10,099
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,370
−HK$274/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,288/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$10,591
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,920
−HK$335/mo
Today · 4.125%
HK$11,255
baseline
▲ 0.50% · 4.625%
HK$11,940
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,510/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$11,782
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$321/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,073
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,838/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$13,617
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,040
−HK$430/mo
Today · 4.125%
HK$14,470
baseline
▲ 0.50% · 4.625%
HK$15,351
+HK$881/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,940/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$15,148
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,555
−HK$412/mo
Today · 4.125%
HK$15,967
baseline
▲ 0.50% · 4.625%
HK$16,808
+HK$841/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,934/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).