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$6,083
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,272
−HK$192/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$394/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,928/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$6,767
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,949
−HK$184/mo
Today · 4.125%
HK$7,133
baseline
▲ 0.50% · 4.625%
HK$7,509
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,266/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$7,300
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,527
−HK$230/mo
Today · 4.125%
HK$7,757
baseline
▲ 0.50% · 4.625%
HK$8,229
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,514/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$8,121
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$221/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,011
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,118/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$8,516
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$269/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$551/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,100/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$9,474
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$258/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$526/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,972/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$10,949
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,290
−HK$346/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,272/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$12,181
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,508
−HK$331/mo
Today · 4.125%
HK$12,839
baseline
▲ 0.50% · 4.625%
HK$13,516
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,678/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).