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$6,066
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,255
−HK$192/mo
Today · 4.125%
HK$6,447
baseline
▲ 0.50% · 4.625%
HK$6,839
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,894/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$6,749
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,930
−HK$183/mo
Today · 4.125%
HK$7,113
baseline
▲ 0.50% · 4.625%
HK$7,488
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,226/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$7,279
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,506
−HK$230/mo
Today · 4.125%
HK$7,736
baseline
▲ 0.50% · 4.625%
HK$8,207
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,472/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$8,098
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$220/mo
Today · 4.125%
HK$8,536
baseline
▲ 0.50% · 4.625%
HK$8,986
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,072/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$8,493
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$268/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,050/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$9,448
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$258/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,483
+HK$524/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,918/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$10,919
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,259
−HK$345/mo
Today · 4.125%
HK$11,604
baseline
▲ 0.50% · 4.625%
HK$12,310
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,208/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$12,148
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,473
−HK$331/mo
Today · 4.125%
HK$12,804
baseline
▲ 0.50% · 4.625%
HK$13,479
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,608/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).