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$6,070
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,259
−HK$191/mo
Today · 4.125%
HK$6,450
baseline
▲ 0.50% · 4.625%
HK$6,843
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,900/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$6,753
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,934
−HK$183/mo
Today · 4.125%
HK$7,117
baseline
▲ 0.50% · 4.625%
HK$7,493
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,234/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$7,284
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,510
−HK$230/mo
Today · 4.125%
HK$7,740
baseline
▲ 0.50% · 4.625%
HK$8,211
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,480/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$8,103
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$221/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$8,991
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,082/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$8,498
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$269/mo
Today · 4.125%
HK$9,031
baseline
▲ 0.50% · 4.625%
HK$9,580
+HK$549/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,062/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$9,454
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$257/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$526/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,928/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$10,926
−HK$685/mo
▼ 0.25% · 3.875%
HK$11,265
−HK$346/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,317
+HK$706/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,222/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$12,155
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,481
−HK$330/mo
Today · 4.125%
HK$12,811
baseline
▲ 0.50% · 4.625%
HK$13,487
+HK$676/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,622/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).