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$7,593
−HK$476/mo
▼ 0.25% · 3.875%
HK$7,829
−HK$240/mo
Today · 4.125%
HK$8,069
baseline
▲ 0.50% · 4.625%
HK$8,560
+HK$491/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,138/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$8,447
−HK$456/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$230/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$469/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,806/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$9,111
−HK$572/mo
▼ 0.25% · 3.875%
HK$9,395
−HK$288/mo
Today · 4.125%
HK$9,683
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$589/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$19,366/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$10,136
−HK$548/mo
▼ 0.25% · 3.875%
HK$10,408
−HK$276/mo
Today · 4.125%
HK$10,684
baseline
▲ 0.50% · 4.625%
HK$11,247
+HK$563/mo
Deposit HK$1.33M · loan HK$2.00M · min. income ≈ HK$21,368/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$10,630
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$336/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,984
+HK$688/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$22,592/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,826
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,143
−HK$321/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$657/mo
Deposit HK$999K · loan HK$2.33M · min. income ≈ HK$24,928/mo (50% DSR)
Upfront cash ≈ HK$999K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$432/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$884/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$29,048/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$15,204
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$414/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$844/mo
Deposit HK$333K · loan HK$3.00M · min. income ≈ HK$32,052/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).