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$6,067
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,256
−HK$192/mo
Today · 4.125%
HK$6,448
baseline
▲ 0.50% · 4.625%
HK$6,840
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,896/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$6,750
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,931
−HK$183/mo
Today · 4.125%
HK$7,114
baseline
▲ 0.50% · 4.625%
HK$7,489
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,228/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$7,281
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,507
−HK$230/mo
Today · 4.125%
HK$7,737
baseline
▲ 0.50% · 4.625%
HK$8,208
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,474/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$8,100
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$220/mo
Today · 4.125%
HK$8,537
baseline
▲ 0.50% · 4.625%
HK$8,987
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,074/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$8,494
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$269/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,576
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,054/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$9,450
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$257/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,485
+HK$525/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,920/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$10,921
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,261
−HK$345/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,212/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$12,150
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,475
−HK$331/mo
Today · 4.125%
HK$12,806
baseline
▲ 0.50% · 4.625%
HK$13,481
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,612/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).