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$7,582
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$240/mo
Today · 4.125%
HK$8,058
baseline
▲ 0.50% · 4.625%
HK$8,548
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,116/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$8,435
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$230/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,782/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$9,099
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,382
−HK$287/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,257
+HK$588/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,338/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$10,122
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$275/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,231
+HK$562/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,338/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$10,615
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$336/mo
Today · 4.125%
HK$11,281
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$686/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,562/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$11,809
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$321/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$656/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,894/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$13,648
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$432/mo
Today · 4.125%
HK$14,504
baseline
▲ 0.50% · 4.625%
HK$15,386
+HK$882/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,008/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$15,183
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$413/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,006/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).