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$6,078
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,267
−HK$192/mo
Today · 4.125%
HK$6,459
baseline
▲ 0.50% · 4.625%
HK$6,852
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,918/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$6,762
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,943
−HK$184/mo
Today · 4.125%
HK$7,127
baseline
▲ 0.50% · 4.625%
HK$7,503
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,254/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$7,294
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,520
−HK$231/mo
Today · 4.125%
HK$7,751
baseline
▲ 0.50% · 4.625%
HK$8,223
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,502/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$8,114
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$220/mo
Today · 4.125%
HK$8,552
baseline
▲ 0.50% · 4.625%
HK$9,003
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,104/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$8,509
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$269/mo
Today · 4.125%
HK$9,043
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$550/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,086/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$9,466
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$258/mo
Today · 4.125%
HK$9,978
baseline
▲ 0.50% · 4.625%
HK$10,504
+HK$526/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,956/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$10,940
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,281
−HK$345/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,334
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,252/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$12,171
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,498
−HK$331/mo
Today · 4.125%
HK$12,829
baseline
▲ 0.50% · 4.625%
HK$13,505
+HK$676/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,658/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).