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$7,576
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,812
−HK$240/mo
Today · 4.125%
HK$8,052
baseline
▲ 0.50% · 4.625%
HK$8,541
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,104/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$8,429
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,655
−HK$229/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,352
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,768/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$9,092
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,375
−HK$287/mo
Today · 4.125%
HK$9,662
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,324/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$10,114
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,386
−HK$275/mo
Today · 4.125%
HK$10,661
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,322/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$10,607
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$335/mo
Today · 4.125%
HK$11,272
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,544/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,800
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$321/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,093
+HK$655/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,876/mo (50% DSR)
Upfront cash ≈ HK$997K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,638
−HK$855/mo
▼ 0.25% · 3.875%
HK$14,062
−HK$431/mo
Today · 4.125%
HK$14,493
baseline
▲ 0.50% · 4.625%
HK$15,375
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,986/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$15,172
−HK$819/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$412/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,834
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,982/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).