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$6,074
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,263
−HK$192/mo
Today · 4.125%
HK$6,455
baseline
▲ 0.50% · 4.625%
HK$6,848
+HK$393/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,910/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$6,757
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,939
−HK$184/mo
Today · 4.125%
HK$7,123
baseline
▲ 0.50% · 4.625%
HK$7,498
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,246/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$7,289
−HK$457/mo
▼ 0.25% · 3.875%
HK$7,516
−HK$230/mo
Today · 4.125%
HK$7,746
baseline
▲ 0.50% · 4.625%
HK$8,217
+HK$471/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,492/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$8,109
−HK$438/mo
▼ 0.25% · 3.875%
HK$8,326
−HK$221/mo
Today · 4.125%
HK$8,547
baseline
▲ 0.50% · 4.625%
HK$8,998
+HK$451/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,094/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$8,504
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,768
−HK$269/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,587
+HK$550/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$18,074/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$9,460
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$258/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$525/mo
Deposit HK$799K · loan HK$1.86M · min. income ≈ HK$19,944/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$10,933
−HK$686/mo
▼ 0.25% · 3.875%
HK$11,274
−HK$345/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$707/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$23,238/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$12,163
−HK$658/mo
▼ 0.25% · 3.875%
HK$12,490
−HK$331/mo
Today · 4.125%
HK$12,821
baseline
▲ 0.50% · 4.625%
HK$13,496
+HK$675/mo
Deposit HK$266K · loan HK$2.40M · min. income ≈ HK$25,642/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).