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$6,072
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,261
−HK$192/mo
Today · 4.125%
HK$6,453
baseline
▲ 0.50% · 4.625%
HK$6,846
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,906/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$6,756
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,937
−HK$183/mo
Today · 4.125%
HK$7,120
baseline
▲ 0.50% · 4.625%
HK$7,496
+HK$376/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,240/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$7,287
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,514
−HK$230/mo
Today · 4.125%
HK$7,744
baseline
▲ 0.50% · 4.625%
HK$8,215
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,488/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$8,107
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$221/mo
Today · 4.125%
HK$8,545
baseline
▲ 0.50% · 4.625%
HK$8,995
+HK$450/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,090/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$8,501
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,766
−HK$268/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,584
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,068/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$9,458
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,711
−HK$258/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$525/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,938/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$10,930
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,270
−HK$346/mo
Today · 4.125%
HK$11,616
baseline
▲ 0.50% · 4.625%
HK$12,323
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,232/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$12,160
−HK$657/mo
▼ 0.25% · 3.875%
HK$12,486
−HK$331/mo
Today · 4.125%
HK$12,817
baseline
▲ 0.50% · 4.625%
HK$13,492
+HK$675/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,634/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).