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$7,551
−HK$474/mo
▼ 0.25% · 3.875%
HK$7,786
−HK$239/mo
Today · 4.125%
HK$8,025
baseline
▲ 0.50% · 4.625%
HK$8,513
+HK$488/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,050/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$8,401
−HK$453/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$228/mo
Today · 4.125%
HK$8,854
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$467/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,708/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$9,061
−HK$569/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$287/mo
Today · 4.125%
HK$9,630
baseline
▲ 0.50% · 4.625%
HK$10,216
+HK$586/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$19,260/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$10,081
−HK$544/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$274/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$560/mo
Deposit HK$1.32M · loan HK$1.99M · min. income ≈ HK$21,250/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$10,572
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,900
−HK$335/mo
Today · 4.125%
HK$11,235
baseline
▲ 0.50% · 4.625%
HK$11,918
+HK$683/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$22,470/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,761
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$320/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$654/mo
Deposit HK$993K · loan HK$2.32M · min. income ≈ HK$24,792/mo (50% DSR)
Upfront cash ≈ HK$994K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,592
−HK$852/mo
▼ 0.25% · 3.875%
HK$14,015
−HK$429/mo
Today · 4.125%
HK$14,444
baseline
▲ 0.50% · 4.625%
HK$15,323
+HK$879/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,888/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$15,121
−HK$817/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$411/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,778
+HK$840/mo
Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$31,876/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).