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$6,088
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,278
−HK$192/mo
Today · 4.125%
HK$6,470
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,940/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,773
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,955
−HK$184/mo
Today · 4.125%
HK$7,139
baseline
▲ 0.50% · 4.625%
HK$7,515
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,278/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,306
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,533
−HK$231/mo
Today · 4.125%
HK$7,764
baseline
▲ 0.50% · 4.625%
HK$8,237
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,528/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$8,128
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,346
−HK$221/mo
Today · 4.125%
HK$8,567
baseline
▲ 0.50% · 4.625%
HK$9,019
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,134/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$8,524
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$269/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$551/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,116/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,483
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$258/mo
Today · 4.125%
HK$9,995
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,990/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,959
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$346/mo
Today · 4.125%
HK$11,646
baseline
▲ 0.50% · 4.625%
HK$12,355
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,292/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$12,192
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,519
−HK$332/mo
Today · 4.125%
HK$12,851
baseline
▲ 0.50% · 4.625%
HK$13,528
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,702/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).