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$6,085
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,275
−HK$192/mo
Today · 4.125%
HK$6,467
baseline
▲ 0.50% · 4.625%
HK$6,861
+HK$394/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,934/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$6,770
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,952
−HK$184/mo
Today · 4.125%
HK$7,136
baseline
▲ 0.50% · 4.625%
HK$7,512
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,272/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$7,302
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,530
−HK$230/mo
Today · 4.125%
HK$7,760
baseline
▲ 0.50% · 4.625%
HK$8,233
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,520/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$8,124
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$221/mo
Today · 4.125%
HK$8,563
baseline
▲ 0.50% · 4.625%
HK$9,014
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,126/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$8,520
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$269/mo
Today · 4.125%
HK$9,054
baseline
▲ 0.50% · 4.625%
HK$9,605
+HK$551/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,108/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$9,478
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,732
−HK$258/mo
Today · 4.125%
HK$9,990
baseline
▲ 0.50% · 4.625%
HK$10,517
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,980/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$10,954
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$347/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,282/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$12,186
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,513
−HK$331/mo
Today · 4.125%
HK$12,844
baseline
▲ 0.50% · 4.625%
HK$13,521
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,688/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).