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$6,073
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,262
−HK$192/mo
Today · 4.125%
HK$6,454
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,908/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$6,756
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$184/mo
Today · 4.125%
HK$7,121
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,242/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$7,287
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$230/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,216
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,488/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$8,107
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$220/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$8,996
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,090/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$8,502
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,766
−HK$269/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,070/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$9,458
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$257/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$526/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,938/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$10,931
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,271
−HK$346/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,323
+HK$706/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,234/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$12,161
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,487
−HK$331/mo
Today · 4.125%
HK$12,818
baseline
▲ 0.50% · 4.625%
HK$13,493
+HK$675/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,636/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).