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$6,063
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,252
−HK$192/mo
Today · 4.125%
HK$6,444
baseline
▲ 0.50% · 4.625%
HK$6,836
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,888/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$6,746
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,926
−HK$184/mo
Today · 4.125%
HK$7,110
baseline
▲ 0.50% · 4.625%
HK$7,485
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,220/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$7,276
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,502
−HK$230/mo
Today · 4.125%
HK$7,732
baseline
▲ 0.50% · 4.625%
HK$8,203
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,464/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$8,095
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$220/mo
Today · 4.125%
HK$8,532
baseline
▲ 0.50% · 4.625%
HK$8,982
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,064/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$8,489
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$268/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,042/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,444
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$257/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$525/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,908/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,914
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,254
−HK$345/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,198/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$12,142
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,468
−HK$330/mo
Today · 4.125%
HK$12,798
baseline
▲ 0.50% · 4.625%
HK$13,472
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,596/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).