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$7,587
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$240/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,126/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$8,440
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$229/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,792/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$9,104
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,387
−HK$288/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,350/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$10,128
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$275/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,350/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$10,621
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$336/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,974
+HK$686/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,576/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$11,816
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,133
−HK$322/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,111
+HK$656/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,910/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$13,656
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,081
−HK$432/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,026/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$15,192
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$413/mo
Today · 4.125%
HK$16,013
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,026/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).