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$6,072
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,261
−HK$192/mo
Today · 4.125%
HK$6,453
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,906/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$6,755
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,936
−HK$184/mo
Today · 4.125%
HK$7,120
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,240/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$7,287
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,513
−HK$231/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,488/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$8,106
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$220/mo
Today · 4.125%
HK$8,544
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,088/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$8,501
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$269/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,584
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,068/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$9,457
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,711
−HK$257/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$526/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,936/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$10,930
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$345/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,322
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,230/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$12,159
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$330/mo
Today · 4.125%
HK$12,816
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,632/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).