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$7,565
−HK$475/mo
▼ 0.25% · 3.875%
HK$7,801
−HK$239/mo
Today · 4.125%
HK$8,040
baseline
▲ 0.50% · 4.625%
HK$8,529
+HK$489/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$16,080/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$8,416
−HK$455/mo
▼ 0.25% · 3.875%
HK$8,642
−HK$229/mo
Today · 4.125%
HK$8,871
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$468/mo
Deposit HK$1.66M · loan HK$1.66M · min. income ≈ HK$17,742/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$9,078
−HK$570/mo
▼ 0.25% · 3.875%
HK$9,361
−HK$287/mo
Today · 4.125%
HK$9,648
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$587/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$19,296/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$10,100
−HK$545/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$274/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$561/mo
Deposit HK$1.33M · loan HK$1.99M · min. income ≈ HK$21,290/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$10,592
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,921
−HK$335/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$685/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$22,512/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,783
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,099
−HK$321/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,074
+HK$654/mo
Deposit HK$995K · loan HK$2.32M · min. income ≈ HK$24,840/mo (50% DSR)
Upfront cash ≈ HK$995K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,618
−HK$854/mo
▼ 0.25% · 3.875%
HK$14,041
−HK$431/mo
Today · 4.125%
HK$14,472
baseline
▲ 0.50% · 4.625%
HK$15,352
+HK$880/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$28,944/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$15,150
−HK$818/mo
▼ 0.25% · 3.875%
HK$15,556
−HK$412/mo
Today · 4.125%
HK$15,968
baseline
▲ 0.50% · 4.625%
HK$16,810
+HK$842/mo
Deposit HK$332K · loan HK$2.99M · min. income ≈ HK$31,936/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).