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$6,080
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,269
−HK$192/mo
Today · 4.125%
HK$6,461
baseline
▲ 0.50% · 4.625%
HK$6,854
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,922/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$6,764
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,945
−HK$184/mo
Today · 4.125%
HK$7,129
baseline
▲ 0.50% · 4.625%
HK$7,505
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,258/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$7,296
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,523
−HK$230/mo
Today · 4.125%
HK$7,753
baseline
▲ 0.50% · 4.625%
HK$8,225
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,506/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$8,117
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$221/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,006
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,110/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$8,512
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,777
−HK$269/mo
Today · 4.125%
HK$9,046
baseline
▲ 0.50% · 4.625%
HK$9,596
+HK$550/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,092/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$9,469
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,723
−HK$258/mo
Today · 4.125%
HK$9,981
baseline
▲ 0.50% · 4.625%
HK$10,507
+HK$526/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,962/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$10,944
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,284
−HK$346/mo
Today · 4.125%
HK$11,630
baseline
▲ 0.50% · 4.625%
HK$12,338
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,260/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$12,175
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,501
−HK$332/mo
Today · 4.125%
HK$12,833
baseline
▲ 0.50% · 4.625%
HK$13,509
+HK$676/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,666/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).