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$6,079
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,268
−HK$192/mo
Today · 4.125%
HK$6,460
baseline
▲ 0.50% · 4.625%
HK$6,853
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,920/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$6,762
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,944
−HK$184/mo
Today · 4.125%
HK$7,128
baseline
▲ 0.50% · 4.625%
HK$7,503
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,256/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$7,294
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,521
−HK$231/mo
Today · 4.125%
HK$7,752
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,504/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$8,115
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$221/mo
Today · 4.125%
HK$8,553
baseline
▲ 0.50% · 4.625%
HK$9,004
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,106/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$8,510
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$269/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$550/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,088/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,467
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,721
−HK$258/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,505
+HK$526/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,958/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,941
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,282
−HK$346/mo
Today · 4.125%
HK$11,628
baseline
▲ 0.50% · 4.625%
HK$12,335
+HK$707/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,256/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,172
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,499
−HK$331/mo
Today · 4.125%
HK$12,830
baseline
▲ 0.50% · 4.625%
HK$13,506
+HK$676/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,660/mo (50% DSR)
Upfront cash ≈ HK$267K (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).