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$6,090
−HK$382/mo
▼ 0.25% · 3.875%
HK$6,279
−HK$193/mo
Today · 4.125%
HK$6,472
baseline
▲ 0.50% · 4.625%
HK$6,866
+HK$394/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$12,944/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,775
−HK$366/mo
▼ 0.25% · 3.875%
HK$6,957
−HK$184/mo
Today · 4.125%
HK$7,141
baseline
▲ 0.50% · 4.625%
HK$7,517
+HK$376/mo
Deposit HK$1.34M · loan HK$1.34M · min. income ≈ HK$14,282/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,308
−HK$458/mo
▼ 0.25% · 3.875%
HK$7,535
−HK$231/mo
Today · 4.125%
HK$7,766
baseline
▲ 0.50% · 4.625%
HK$8,239
+HK$473/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$15,532/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$8,130
−HK$439/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$221/mo
Today · 4.125%
HK$8,569
baseline
▲ 0.50% · 4.625%
HK$9,021
+HK$452/mo
Deposit HK$1.07M · loan HK$1.60M · min. income ≈ HK$17,138/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$8,526
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,791
−HK$269/mo
Today · 4.125%
HK$9,060
baseline
▲ 0.50% · 4.625%
HK$9,612
+HK$552/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$18,120/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,485
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$258/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,524
+HK$527/mo
Deposit HK$801K · loan HK$1.87M · min. income ≈ HK$19,994/mo (50% DSR)
Upfront cash ≈ HK$801K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,962
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,303
−HK$346/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,358
+HK$709/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$23,298/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$12,195
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,522
−HK$332/mo
Today · 4.125%
HK$12,854
baseline
▲ 0.50% · 4.625%
HK$13,531
+HK$677/mo
Deposit HK$267K · loan HK$2.40M · min. income ≈ HK$25,708/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).