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$7,567
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,802
−HK$240/mo
Today · 4.125%
HK$8,042
baseline
▲ 0.50% · 4.625%
HK$8,531
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,084/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$8,418
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$229/mo
Today · 4.125%
HK$8,873
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,746/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$9,080
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,363
−HK$287/mo
Today · 4.125%
HK$9,650
baseline
▲ 0.50% · 4.625%
HK$10,237
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,300/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$10,102
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,373
−HK$275/mo
Today · 4.125%
HK$10,648
baseline
▲ 0.50% · 4.625%
HK$11,209
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,296/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$10,594
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$335/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$685/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$22,516/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$11,785
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$320/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$655/mo
Deposit HK$996K · loan HK$2.32M · min. income ≈ HK$24,844/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$13,621
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,044
−HK$431/mo
Today · 4.125%
HK$14,475
baseline
▲ 0.50% · 4.625%
HK$15,355
+HK$880/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,950/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$15,153
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,559
−HK$412/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$842/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,942/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).