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$6,063
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$192/mo
Today · 4.125%
HK$6,443
baseline
▲ 0.50% · 4.625%
HK$6,835
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,886/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$6,745
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,925
−HK$184/mo
Today · 4.125%
HK$7,109
baseline
▲ 0.50% · 4.625%
HK$7,484
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,218/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$7,275
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,501
−HK$230/mo
Today · 4.125%
HK$7,731
baseline
▲ 0.50% · 4.625%
HK$8,202
+HK$471/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$15,462/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$8,093
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$220/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$449/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,062/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$8,488
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$268/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,040/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$9,442
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$257/mo
Today · 4.125%
HK$9,953
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$524/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,906/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$10,913
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,252
−HK$345/mo
Today · 4.125%
HK$11,597
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,194/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$12,140
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,466
−HK$330/mo
Today · 4.125%
HK$12,796
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,592/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).