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$7,550
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,785
−HK$239/mo
Today · 4.125%
HK$8,024
baseline
▲ 0.50% · 4.625%
HK$8,512
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,048/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$8,399
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$228/mo
Today · 4.125%
HK$8,853
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,706/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$9,060
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$286/mo
Today · 4.125%
HK$9,628
baseline
▲ 0.50% · 4.625%
HK$10,214
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,256/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,079
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$274/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,248/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,570
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$334/mo
Today · 4.125%
HK$11,233
baseline
▲ 0.50% · 4.625%
HK$11,917
+HK$684/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,466/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,759
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,075
−HK$320/mo
Today · 4.125%
HK$12,395
baseline
▲ 0.50% · 4.625%
HK$13,048
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,790/mo (50% DSR)
Upfront cash ≈ HK$993K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,590
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,013
−HK$429/mo
Today · 4.125%
HK$14,442
baseline
▲ 0.50% · 4.625%
HK$15,321
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,884/mo (50% DSR)
Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,119
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$412/mo
Today · 4.125%
HK$15,936
baseline
▲ 0.50% · 4.625%
HK$16,776
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,872/mo (50% DSR)
Upfront cash ≈ HK$331K (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).