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$6,075
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,264
−HK$192/mo
Today · 4.125%
HK$6,456
baseline
▲ 0.50% · 4.625%
HK$6,849
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,912/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$6,758
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,940
−HK$183/mo
Today · 4.125%
HK$7,123
baseline
▲ 0.50% · 4.625%
HK$7,499
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,246/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$7,290
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,517
−HK$230/mo
Today · 4.125%
HK$7,747
baseline
▲ 0.50% · 4.625%
HK$8,218
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,494/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$8,110
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$221/mo
Today · 4.125%
HK$8,548
baseline
▲ 0.50% · 4.625%
HK$8,999
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,096/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$8,505
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$269/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,588
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,076/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$9,462
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$258/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$526/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,946/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$10,935
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,275
−HK$346/mo
Today · 4.125%
HK$11,621
baseline
▲ 0.50% · 4.625%
HK$12,328
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,242/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$12,165
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,491
−HK$331/mo
Today · 4.125%
HK$12,822
baseline
▲ 0.50% · 4.625%
HK$13,498
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,644/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).