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$7,562
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,797
−HK$239/mo
Today · 4.125%
HK$8,036
baseline
▲ 0.50% · 4.625%
HK$8,525
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,072/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$8,412
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$229/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,734/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$9,074
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$287/mo
Today · 4.125%
HK$9,643
baseline
▲ 0.50% · 4.625%
HK$10,230
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,286/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$10,095
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$274/mo
Today · 4.125%
HK$10,640
baseline
▲ 0.50% · 4.625%
HK$11,201
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,280/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$10,586
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$334/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,935
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,500/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$11,777
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$321/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,068
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,828/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$13,611
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,034
−HK$431/mo
Today · 4.125%
HK$14,465
baseline
▲ 0.50% · 4.625%
HK$15,345
+HK$880/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$28,930/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$15,142
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$412/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$842/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$31,920/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).