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$6,069
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,258
−HK$192/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,842
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,900/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$6,752
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,933
−HK$184/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,492
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,234/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$7,283
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$230/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,480/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,102
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$220/mo
Today · 4.125%
HK$8,540
baseline
▲ 0.50% · 4.625%
HK$8,990
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,080/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,497
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$269/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,060/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$9,453
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,706
−HK$257/mo
Today · 4.125%
HK$9,963
baseline
▲ 0.50% · 4.625%
HK$10,489
+HK$526/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,926/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$10,925
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,264
−HK$346/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,316
+HK$706/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,220/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$12,154
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,480
−HK$330/mo
Today · 4.125%
HK$12,810
baseline
▲ 0.50% · 4.625%
HK$13,485
+HK$675/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,620/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).