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$6,074
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$192/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,847
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,908/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$6,757
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,938
−HK$184/mo
Today · 4.125%
HK$7,122
baseline
▲ 0.50% · 4.625%
HK$7,497
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,244/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$7,288
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,515
−HK$230/mo
Today · 4.125%
HK$7,745
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,490/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$8,108
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,326
−HK$220/mo
Today · 4.125%
HK$8,546
baseline
▲ 0.50% · 4.625%
HK$8,997
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,092/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$8,503
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$269/mo
Today · 4.125%
HK$9,036
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,072/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$9,459
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$258/mo
Today · 4.125%
HK$9,971
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$525/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,942/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$10,932
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,272
−HK$346/mo
Today · 4.125%
HK$11,618
baseline
▲ 0.50% · 4.625%
HK$12,325
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,236/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$12,162
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,488
−HK$331/mo
Today · 4.125%
HK$12,819
baseline
▲ 0.50% · 4.625%
HK$13,495
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,638/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).