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$7,562
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$239/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,072/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$8,413
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$229/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,335
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,734/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$9,075
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,357
−HK$287/mo
Today · 4.125%
HK$9,644
baseline
▲ 0.50% · 4.625%
HK$10,230
+HK$586/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,288/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$10,095
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$275/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,282/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$10,587
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$335/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,502/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$11,778
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$320/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,069
+HK$655/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,828/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$13,612
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,035
−HK$430/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,346
+HK$881/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$28,930/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$15,143
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$412/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,803
+HK$842/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$31,922/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).