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$7,572
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,808
−HK$239/mo
Today · 4.125%
HK$8,047
baseline
▲ 0.50% · 4.625%
HK$8,537
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,094/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$8,424
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,650
−HK$229/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,347
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,758/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$9,087
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,370
−HK$287/mo
Today · 4.125%
HK$9,657
baseline
▲ 0.50% · 4.625%
HK$10,244
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,314/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$10,109
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,380
−HK$275/mo
Today · 4.125%
HK$10,655
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,310/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$10,601
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$335/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$686/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$321/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,086
+HK$655/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$996K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,630
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,054
−HK$431/mo
Today · 4.125%
HK$14,485
baseline
▲ 0.50% · 4.625%
HK$15,366
+HK$881/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,970/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$15,164
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$413/mo
Today · 4.125%
HK$15,983
baseline
▲ 0.50% · 4.625%
HK$16,825
+HK$842/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,966/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).