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$6,086
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,276
−HK$192/mo
Today · 4.125%
HK$6,468
baseline
▲ 0.50% · 4.625%
HK$6,862
+HK$394/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,936/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$6,771
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,953
−HK$184/mo
Today · 4.125%
HK$7,137
baseline
▲ 0.50% · 4.625%
HK$7,513
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,274/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$7,531
−HK$231/mo
Today · 4.125%
HK$7,762
baseline
▲ 0.50% · 4.625%
HK$8,234
+HK$472/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$8,125
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,343
−HK$221/mo
Today · 4.125%
HK$8,564
baseline
▲ 0.50% · 4.625%
HK$9,016
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,128/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$8,521
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,786
−HK$269/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$551/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,110/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$9,479
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,734
−HK$257/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,982/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$10,955
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$346/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,351
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,284/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$12,188
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,515
−HK$331/mo
Today · 4.125%
HK$12,846
baseline
▲ 0.50% · 4.625%
HK$13,523
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,692/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).