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$7,560
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$239/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,523
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,070/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$8,411
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,636
−HK$229/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,730/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$9,073
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,355
−HK$286/mo
Today · 4.125%
HK$9,641
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,282/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$10,093
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$274/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,199
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,276/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$10,585
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,914
−HK$334/mo
Today · 4.125%
HK$11,248
baseline
▲ 0.50% · 4.625%
HK$11,933
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,496/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$11,775
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$320/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,066
+HK$655/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,822/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$13,609
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,032
−HK$430/mo
Today · 4.125%
HK$14,462
baseline
▲ 0.50% · 4.625%
HK$15,342
+HK$880/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$28,924/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$15,140
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$412/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$841/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$31,916/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).