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$7,548
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,783
−HK$239/mo
Today · 4.125%
HK$8,022
baseline
▲ 0.50% · 4.625%
HK$8,510
+HK$488/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$453/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$228/mo
Today · 4.125%
HK$8,851
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,702/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$9,058
−HK$568/mo
▼ 0.25% · 3.875%
HK$9,340
−HK$286/mo
Today · 4.125%
HK$9,626
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,252/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$10,077
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,347
−HK$274/mo
Today · 4.125%
HK$10,621
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,242/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$10,568
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$333/mo
Today · 4.125%
HK$11,230
baseline
▲ 0.50% · 4.625%
HK$11,914
+HK$684/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,460/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$635/mo
▼ 0.25% · 3.875%
HK$12,072
−HK$320/mo
Today · 4.125%
HK$12,392
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$653/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,784/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$13,587
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,010
−HK$429/mo
Today · 4.125%
HK$14,439
baseline
▲ 0.50% · 4.625%
HK$15,318
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,878/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$15,116
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,521
−HK$411/mo
Today · 4.125%
HK$15,932
baseline
▲ 0.50% · 4.625%
HK$16,772
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,864/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).