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$6,071
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,259
−HK$192/mo
Today · 4.125%
HK$6,451
baseline
▲ 0.50% · 4.625%
HK$6,844
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,902/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$6,753
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$183/mo
Today · 4.125%
HK$7,118
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,236/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$7,285
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,511
−HK$231/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,484/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,104
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$221/mo
Today · 4.125%
HK$8,542
baseline
▲ 0.50% · 4.625%
HK$8,992
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,084/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,499
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$269/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$549/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,064/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,455
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$258/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$525/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,932/mo (50% DSR)
Upfront cash ≈ HK$799K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,927
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,267
−HK$345/mo
Today · 4.125%
HK$11,612
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,224/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,156
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,482
−HK$331/mo
Today · 4.125%
HK$12,813
baseline
▲ 0.50% · 4.625%
HK$13,488
+HK$675/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,626/mo (50% DSR)
Upfront cash ≈ HK$266K (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).