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$7,587
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,823
−HK$240/mo
Today · 4.125%
HK$8,063
baseline
▲ 0.50% · 4.625%
HK$8,553
+HK$490/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,126/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$8,441
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$230/mo
Today · 4.125%
HK$8,897
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,794/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$9,104
−HK$571/mo
▼ 0.25% · 3.875%
HK$9,388
−HK$287/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,350/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$10,129
−HK$547/mo
▼ 0.25% · 3.875%
HK$10,400
−HK$276/mo
Today · 4.125%
HK$10,676
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,352/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$10,622
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,952
−HK$336/mo
Today · 4.125%
HK$11,288
baseline
▲ 0.50% · 4.625%
HK$11,975
+HK$687/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$22,576/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,817
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,134
−HK$321/mo
Today · 4.125%
HK$12,455
baseline
▲ 0.50% · 4.625%
HK$13,112
+HK$657/mo
Deposit HK$998K · loan HK$2.33M · min. income ≈ HK$24,910/mo (50% DSR)
Upfront cash ≈ HK$998K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,657
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$431/mo
Today · 4.125%
HK$14,513
baseline
▲ 0.50% · 4.625%
HK$15,396
+HK$883/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$29,026/mo (50% DSR)
Upfront cash ≈ HK$333K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,193
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$414/mo
Today · 4.125%
HK$16,014
baseline
▲ 0.50% · 4.625%
HK$16,858
+HK$844/mo
Deposit HK$333K · loan HK$2.99M · min. income ≈ HK$32,028/mo (50% DSR)
Upfront cash ≈ HK$333K (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).