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$6,084
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,274
−HK$192/mo
Today · 4.125%
HK$6,466
baseline
▲ 0.50% · 4.625%
HK$6,859
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,932/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$6,769
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,950
−HK$185/mo
Today · 4.125%
HK$7,135
baseline
▲ 0.50% · 4.625%
HK$7,511
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,270/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$7,301
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,528
−HK$231/mo
Today · 4.125%
HK$7,759
baseline
▲ 0.50% · 4.625%
HK$8,231
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,518/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$8,123
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,340
−HK$221/mo
Today · 4.125%
HK$8,561
baseline
▲ 0.50% · 4.625%
HK$9,013
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,122/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$8,518
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,783
−HK$269/mo
Today · 4.125%
HK$9,052
baseline
▲ 0.50% · 4.625%
HK$9,603
+HK$551/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,104/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$9,476
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,731
−HK$257/mo
Today · 4.125%
HK$9,988
baseline
▲ 0.50% · 4.625%
HK$10,515
+HK$527/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,976/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$10,952
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$346/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,278/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$12,184
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,511
−HK$331/mo
Today · 4.125%
HK$12,842
baseline
▲ 0.50% · 4.625%
HK$13,519
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,684/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).