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$7,566
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$239/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,530
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,080/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$8,417
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$229/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,744/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$9,079
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$287/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,296/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$10,100
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$275/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,207
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,292/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$10,592
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$334/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,512/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$11,784
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$320/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$655/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,840/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$13,619
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,042
−HK$431/mo
Today · 4.125%
HK$14,473
baseline
▲ 0.50% · 4.625%
HK$15,353
+HK$880/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,946/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$15,151
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$412/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$842/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,938/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).