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$6,087
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$193/mo
Today · 4.125%
HK$6,469
baseline
▲ 0.50% · 4.625%
HK$6,862
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,938/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$6,772
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$185/mo
Today · 4.125%
HK$7,138
baseline
▲ 0.50% · 4.625%
HK$7,514
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,276/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$7,304
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,532
−HK$230/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,235
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,524/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$8,126
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$221/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,017
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,130/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$8,522
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,787
−HK$269/mo
Today · 4.125%
HK$9,056
baseline
▲ 0.50% · 4.625%
HK$9,607
+HK$551/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,112/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$9,480
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,735
−HK$258/mo
Today · 4.125%
HK$9,993
baseline
▲ 0.50% · 4.625%
HK$10,519
+HK$526/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,986/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$10,957
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$347/mo
Today · 4.125%
HK$11,644
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,288/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$12,189
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,516
−HK$332/mo
Today · 4.125%
HK$12,848
baseline
▲ 0.50% · 4.625%
HK$13,525
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,696/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).