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$475/mo
▼ 0.25% · 3.875%
HK$7,818
−HK$239/mo
Today · 4.125%
HK$8,057
baseline
▲ 0.50% · 4.625%
HK$8,547
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,114/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$455/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$229/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,780/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$9,098
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,381
−HK$288/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,257
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · 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$10,121
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$275/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,231
+HK$563/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,336/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$10,614
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$335/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,560/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$11,808
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$321/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,892/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$13,647
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,072
−HK$431/mo
Today · 4.125%
HK$14,503
baseline
▲ 0.50% · 4.625%
HK$15,385
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$29,006/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$15,182
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$413/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$844/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$32,004/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).