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$6,062
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,251
−HK$191/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,884/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$6,744
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,925
−HK$183/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,483
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,216/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$8,201
+HK$470/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$437/mo
▼ 0.25% · 3.875%
HK$8,310
−HK$220/mo
Today · 4.125%
HK$8,530
baseline
▲ 0.50% · 4.625%
HK$8,980
+HK$450/mo
Deposit HK$1.06M · loan HK$1.60M · min. income ≈ HK$17,060/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$8,487
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,751
−HK$268/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$549/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$18,038/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$510/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$257/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$524/mo
Deposit HK$798K · loan HK$1.86M · min. income ≈ HK$19,904/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$10,912
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,251
−HK$345/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,302
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,192/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$12,139
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,465
−HK$330/mo
Today · 4.125%
HK$12,795
baseline
▲ 0.50% · 4.625%
HK$13,470
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,590/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).