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$6,088
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,277
−HK$193/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,863
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,940/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$6,773
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,954
−HK$185/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,278/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$7,305
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$230/mo
Today · 4.125%
HK$7,763
baseline
▲ 0.50% · 4.625%
HK$8,236
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,526/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$8,127
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$221/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,018
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,132/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$8,523
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$269/mo
Today · 4.125%
HK$9,057
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$552/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,114/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$9,482
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,736
−HK$258/mo
Today · 4.125%
HK$9,994
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,988/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$10,958
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$346/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,290/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$12,191
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,518
−HK$331/mo
Today · 4.125%
HK$12,849
baseline
▲ 0.50% · 4.625%
HK$13,527
+HK$678/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,698/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).