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$6,065
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,254
−HK$191/mo
Today · 4.125%
HK$6,445
baseline
▲ 0.50% · 4.625%
HK$6,838
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,890/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$6,747
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,928
−HK$184/mo
Today · 4.125%
HK$7,112
baseline
▲ 0.50% · 4.625%
HK$7,487
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,224/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$7,278
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,504
−HK$230/mo
Today · 4.125%
HK$7,734
baseline
▲ 0.50% · 4.625%
HK$8,205
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,468/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$8,097
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$220/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$8,984
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,068/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$8,491
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,755
−HK$269/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,048/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$9,446
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$257/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,481
+HK$524/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,914/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$10,917
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,257
−HK$345/mo
Today · 4.125%
HK$11,602
baseline
▲ 0.50% · 4.625%
HK$12,308
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,204/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$12,145
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,471
−HK$330/mo
Today · 4.125%
HK$12,801
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,602/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).