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$6,081
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,270
−HK$193/mo
Today · 4.125%
HK$6,463
baseline
▲ 0.50% · 4.625%
HK$6,856
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,926/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$6,765
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,947
−HK$184/mo
Today · 4.125%
HK$7,131
baseline
▲ 0.50% · 4.625%
HK$7,507
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,262/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$7,298
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,525
−HK$230/mo
Today · 4.125%
HK$7,755
baseline
▲ 0.50% · 4.625%
HK$8,227
+HK$472/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,510/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$8,118
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,336
−HK$221/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,008
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,114/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$8,514
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,779
−HK$269/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$550/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$18,096/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$9,472
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,726
−HK$257/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,510
+HK$527/mo
Deposit HK$800K · loan HK$1.87M · min. income ≈ HK$19,966/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$10,946
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$346/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$708/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,266/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$12,178
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,504
−HK$332/mo
Today · 4.125%
HK$12,836
baseline
▲ 0.50% · 4.625%
HK$13,512
+HK$676/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,672/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).