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$6,091
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,281
−HK$192/mo
Today · 4.125%
HK$6,473
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,946/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$6,776
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,958
−HK$184/mo
Today · 4.125%
HK$7,142
baseline
▲ 0.50% · 4.625%
HK$7,519
+HK$377/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,284/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$7,309
−HK$459/mo
▼ 0.25% · 3.875%
HK$7,537
−HK$231/mo
Today · 4.125%
HK$7,768
baseline
▲ 0.50% · 4.625%
HK$8,240
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,536/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$8,131
−HK$440/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$221/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,142/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$8,527
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,793
−HK$269/mo
Today · 4.125%
HK$9,062
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$552/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,124/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$9,487
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,741
−HK$258/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,998/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$10,964
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$346/mo
Today · 4.125%
HK$11,651
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,302/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$12,197
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,524
−HK$332/mo
Today · 4.125%
HK$12,856
baseline
▲ 0.50% · 4.625%
HK$13,534
+HK$678/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,712/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).