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$6,077
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,266
−HK$192/mo
Today · 4.125%
HK$6,458
baseline
▲ 0.50% · 4.625%
HK$6,851
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,916/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$6,761
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,942
−HK$184/mo
Today · 4.125%
HK$7,126
baseline
▲ 0.50% · 4.625%
HK$7,502
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,252/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$7,293
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,520
−HK$230/mo
Today · 4.125%
HK$7,750
baseline
▲ 0.50% · 4.625%
HK$8,222
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,500/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,113
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$220/mo
Today · 4.125%
HK$8,551
baseline
▲ 0.50% · 4.625%
HK$9,002
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,102/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,508
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$269/mo
Today · 4.125%
HK$9,042
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$550/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,084/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,465
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$258/mo
Today · 4.125%
HK$9,977
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$526/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,954/mo (50% DSR)
Upfront cash ≈ HK$800K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,939
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,279
−HK$346/mo
Today · 4.125%
HK$11,625
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,250/mo (50% DSR)
Upfront cash ≈ HK$267K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,170
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,496
−HK$331/mo
Today · 4.125%
HK$12,827
baseline
▲ 0.50% · 4.625%
HK$13,503
+HK$676/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,654/mo (50% DSR)
Upfront cash ≈ HK$267K (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).