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$7,561
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,796
−HK$239/mo
Today · 4.125%
HK$8,035
baseline
▲ 0.50% · 4.625%
HK$8,524
+HK$489/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$8,412
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$229/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,732/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$569/mo
▼ 0.25% · 3.875%
HK$9,356
−HK$286/mo
Today · 4.125%
HK$9,642
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,284/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$10,094
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$274/mo
Today · 4.125%
HK$10,639
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,278/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$663/mo
▼ 0.25% · 3.875%
HK$10,915
−HK$334/mo
Today · 4.125%
HK$11,249
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,498/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$11,776
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$321/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,826/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$13,610
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,033
−HK$430/mo
Today · 4.125%
HK$14,463
baseline
▲ 0.50% · 4.625%
HK$15,344
+HK$881/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$28,926/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$15,141
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$412/mo
Today · 4.125%
HK$15,959
baseline
▲ 0.50% · 4.625%
HK$16,800
+HK$841/mo
Deposit HK$332K · loan HK$2.98M · min. income ≈ HK$31,918/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).