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$6,076
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,265
−HK$192/mo
Today · 4.125%
HK$6,457
baseline
▲ 0.50% · 4.625%
HK$6,850
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,914/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$6,759
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,941
−HK$184/mo
Today · 4.125%
HK$7,125
baseline
▲ 0.50% · 4.625%
HK$7,500
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,250/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$7,291
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,518
−HK$230/mo
Today · 4.125%
HK$7,748
baseline
▲ 0.50% · 4.625%
HK$8,220
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,496/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$8,111
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$220/mo
Today · 4.125%
HK$8,549
baseline
▲ 0.50% · 4.625%
HK$9,000
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,098/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$8,506
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$269/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$550/mo
Deposit HK$799K · loan HK$1.87M · min. income ≈ HK$18,080/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$9,463
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$257/mo
Today · 4.125%
HK$9,974
baseline
▲ 0.50% · 4.625%
HK$10,500
+HK$526/mo
Deposit HK$799K · loan HK$1.87M · min. income ≈ HK$19,948/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$10,937
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,277
−HK$345/mo
Today · 4.125%
HK$11,622
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$708/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,244/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$12,167
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,493
−HK$331/mo
Today · 4.125%
HK$12,824
baseline
▲ 0.50% · 4.625%
HK$13,500
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,648/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).