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$7,579
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,815
−HK$239/mo
Today · 4.125%
HK$8,054
baseline
▲ 0.50% · 4.625%
HK$8,544
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,108/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$8,432
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$229/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,774/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$9,095
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,378
−HK$287/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$588/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,330/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$10,118
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$276/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$562/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,330/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$10,611
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$335/mo
Today · 4.125%
HK$11,276
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$686/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$22,552/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$11,804
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$321/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$656/mo
Deposit HK$997K · loan HK$2.33M · min. income ≈ HK$24,884/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$13,642
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,067
−HK$431/mo
Today · 4.125%
HK$14,498
baseline
▲ 0.50% · 4.625%
HK$15,380
+HK$882/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,996/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$15,177
−HK$820/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$413/mo
Today · 4.125%
HK$15,997
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$843/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,994/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).