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$7,578
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,814
−HK$239/mo
Today · 4.125%
HK$8,053
baseline
▲ 0.50% · 4.625%
HK$8,543
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,106/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$8,430
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$229/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,772/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$9,094
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,376
−HK$288/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,328/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$10,117
−HK$546/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$275/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,326/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$10,609
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,939
−HK$335/mo
Today · 4.125%
HK$11,274
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,548/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$11,803
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,119
−HK$321/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,880/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$13,640
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,065
−HK$431/mo
Today · 4.125%
HK$14,496
baseline
▲ 0.50% · 4.625%
HK$15,378
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,992/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$15,175
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$413/mo
Today · 4.125%
HK$15,995
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,990/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).