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$6,087
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$192/mo
Today · 4.125%
HK$6,468
baseline
▲ 0.50% · 4.625%
HK$6,862
+HK$394/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,936/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$6,771
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$184/mo
Today · 4.125%
HK$7,137
baseline
▲ 0.50% · 4.625%
HK$7,513
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,274/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$7,304
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,531
−HK$231/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,234
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,524/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$8,126
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$221/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,016
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,130/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$8,521
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$270/mo
Today · 4.125%
HK$9,056
baseline
▲ 0.50% · 4.625%
HK$9,607
+HK$551/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,112/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,480
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$258/mo
Today · 4.125%
HK$9,992
baseline
▲ 0.50% · 4.625%
HK$10,519
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,984/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,956
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$346/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,286/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$12,189
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$332/mo
Today · 4.125%
HK$12,847
baseline
▲ 0.50% · 4.625%
HK$13,524
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,694/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).