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$6,082
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,271
−HK$193/mo
Today · 4.125%
HK$6,464
baseline
▲ 0.50% · 4.625%
HK$6,857
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,928/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$6,766
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,948
−HK$184/mo
Today · 4.125%
HK$7,132
baseline
▲ 0.50% · 4.625%
HK$7,508
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,264/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$7,299
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,526
−HK$230/mo
Today · 4.125%
HK$7,756
baseline
▲ 0.50% · 4.625%
HK$8,228
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,512/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$8,120
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$221/mo
Today · 4.125%
HK$8,558
baseline
▲ 0.50% · 4.625%
HK$9,010
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,116/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$8,515
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$269/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$551/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,098/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$9,473
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$258/mo
Today · 4.125%
HK$9,985
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$526/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,970/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$10,948
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,289
−HK$346/mo
Today · 4.125%
HK$11,635
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$707/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,270/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$12,180
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,506
−HK$332/mo
Today · 4.125%
HK$12,838
baseline
▲ 0.50% · 4.625%
HK$13,514
+HK$676/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,676/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).