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$6,065
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,254
−HK$192/mo
Today · 4.125%
HK$6,446
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,892/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$6,748
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,929
−HK$183/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,224/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$7,279
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,505
−HK$230/mo
Today · 4.125%
HK$7,735
baseline
▲ 0.50% · 4.625%
HK$8,206
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,470/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$8,097
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$221/mo
Today · 4.125%
HK$8,535
baseline
▲ 0.50% · 4.625%
HK$8,985
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,070/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$8,492
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$268/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,048/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$9,447
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$257/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$525/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,914/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$10,918
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,257
−HK$345/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,308
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,204/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$12,146
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,472
−HK$330/mo
Today · 4.125%
HK$12,802
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,604/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).