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$6,089
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$192/mo
Today · 4.125%
HK$6,471
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,942/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$6,774
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,956
−HK$184/mo
Today · 4.125%
HK$7,140
baseline
▲ 0.50% · 4.625%
HK$7,516
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,280/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$7,307
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,534
−HK$231/mo
Today · 4.125%
HK$7,765
baseline
▲ 0.50% · 4.625%
HK$8,238
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,530/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$8,129
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,347
−HK$221/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,020
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,136/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$8,525
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$269/mo
Today · 4.125%
HK$9,059
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$552/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,118/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$9,484
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$258/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,523
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,992/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$10,960
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$347/mo
Today · 4.125%
HK$11,648
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,296/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$12,193
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,520
−HK$332/mo
Today · 4.125%
HK$12,852
baseline
▲ 0.50% · 4.625%
HK$13,530
+HK$678/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,704/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).