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$7,549
−HK$473/mo
▼ 0.25% · 3.875%
HK$7,784
−HK$238/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,511
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,044/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$8,398
−HK$454/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$229/mo
Today · 4.125%
HK$8,852
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$466/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,704/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$9,059
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$286/mo
Today · 4.125%
HK$9,627
baseline
▲ 0.50% · 4.625%
HK$10,213
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,254/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$10,078
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$274/mo
Today · 4.125%
HK$10,622
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,244/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$10,569
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$334/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,915
+HK$684/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,462/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$11,757
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,073
−HK$320/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,786/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$13,588
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,011
−HK$429/mo
Today · 4.125%
HK$14,440
baseline
▲ 0.50% · 4.625%
HK$15,319
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,880/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$15,117
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$411/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,773
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,866/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).