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$6,071
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,260
−HK$192/mo
Today · 4.125%
HK$6,452
baseline
▲ 0.50% · 4.625%
HK$6,844
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,904/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$6,754
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,935
−HK$184/mo
Today · 4.125%
HK$7,119
baseline
▲ 0.50% · 4.625%
HK$7,494
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,238/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$7,285
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,512
−HK$230/mo
Today · 4.125%
HK$7,742
baseline
▲ 0.50% · 4.625%
HK$8,213
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,484/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$8,105
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,322
−HK$221/mo
Today · 4.125%
HK$8,543
baseline
▲ 0.50% · 4.625%
HK$8,993
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,086/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$8,499
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$268/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,582
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,064/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$9,455
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,709
−HK$257/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$526/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,932/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$10,928
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,268
−HK$345/mo
Today · 4.125%
HK$11,613
baseline
▲ 0.50% · 4.625%
HK$12,320
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,226/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$12,157
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,483
−HK$331/mo
Today · 4.125%
HK$12,814
baseline
▲ 0.50% · 4.625%
HK$13,489
+HK$675/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,628/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).