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$6,064
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,253
−HK$192/mo
Today · 4.125%
HK$6,445
baseline
▲ 0.50% · 4.625%
HK$6,837
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,890/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$365/mo
▼ 0.25% · 3.875%
HK$6,927
−HK$184/mo
Today · 4.125%
HK$7,111
baseline
▲ 0.50% · 4.625%
HK$7,486
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,222/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$7,277
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$229/mo
Today · 4.125%
HK$7,733
baseline
▲ 0.50% · 4.625%
HK$8,204
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,466/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$8,096
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,313
−HK$220/mo
Today · 4.125%
HK$8,533
baseline
▲ 0.50% · 4.625%
HK$8,983
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,066/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$8,490
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,754
−HK$268/mo
Today · 4.125%
HK$9,022
baseline
▲ 0.50% · 4.625%
HK$9,571
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,044/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$9,445
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,698
−HK$257/mo
Today · 4.125%
HK$9,955
baseline
▲ 0.50% · 4.625%
HK$10,480
+HK$525/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,910/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$10,916
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,255
−HK$345/mo
Today · 4.125%
HK$11,600
baseline
▲ 0.50% · 4.625%
HK$12,306
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,200/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$12,144
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,469
−HK$331/mo
Today · 4.125%
HK$12,800
baseline
▲ 0.50% · 4.625%
HK$13,474
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,600/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).