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$6,074
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,263
−HK$192/mo
Today · 4.125%
HK$6,455
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,910/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$6,757
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,938
−HK$184/mo
Today · 4.125%
HK$7,122
baseline
▲ 0.50% · 4.625%
HK$7,498
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,244/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$7,289
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$231/mo
Today · 4.125%
HK$7,746
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,492/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,108
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,326
−HK$221/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$450/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,094/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,503
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$269/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$549/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,074/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,460
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$257/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$526/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,942/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,933
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,273
−HK$345/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,236/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,163
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,489
−HK$331/mo
Today · 4.125%
HK$12,820
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,640/mo (50% DSR)
Upfront cash ≈ HK$266K (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).