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$6,090
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,280
−HK$192/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,866
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,944/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,775
−HK$367/mo
▼ 0.25% · 3.875%
HK$6,957
−HK$185/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,518
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,284/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,536
−HK$231/mo
Today · 4.125%
HK$7,767
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,534/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$8,131
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,349
−HK$221/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,022
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,140/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$8,527
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,792
−HK$269/mo
Today · 4.125%
HK$9,061
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$552/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,122/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$9,486
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,740
−HK$258/mo
Today · 4.125%
HK$9,998
baseline
▲ 0.50% · 4.625%
HK$10,525
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,996/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$10,963
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$346/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,300/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$12,196
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,523
−HK$332/mo
Today · 4.125%
HK$12,855
baseline
▲ 0.50% · 4.625%
HK$13,532
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,710/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).