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$6,077
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,266
−HK$192/mo
Today · 4.125%
HK$6,458
baseline
▲ 0.50% · 4.625%
HK$6,851
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,916/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$6,760
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$184/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,501
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,250/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$7,292
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,519
−HK$230/mo
Today · 4.125%
HK$7,749
baseline
▲ 0.50% · 4.625%
HK$8,221
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,498/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$8,112
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$220/mo
Today · 4.125%
HK$8,550
baseline
▲ 0.50% · 4.625%
HK$9,001
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,100/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$8,507
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,772
−HK$269/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,591
+HK$550/mo
Deposit HK$799K · loan HK$1.87M · min. income ≈ HK$18,082/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$9,464
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,718
−HK$258/mo
Today · 4.125%
HK$9,976
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$525/mo
Deposit HK$799K · loan HK$1.87M · min. income ≈ HK$19,952/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$10,938
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,278
−HK$346/mo
Today · 4.125%
HK$11,624
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,248/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$12,168
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,495
−HK$331/mo
Today · 4.125%
HK$12,826
baseline
▲ 0.50% · 4.625%
HK$13,502
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,652/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).