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$6,058
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,246
−HK$192/mo
Today · 4.125%
HK$6,438
baseline
▲ 0.50% · 4.625%
HK$6,830
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,876/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$6,739
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,920
−HK$184/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,208/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$7,270
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,496
−HK$229/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,196
+HK$471/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,450/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,087
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$220/mo
Today · 4.125%
HK$8,524
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$450/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,048/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,481
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,745
−HK$268/mo
Today · 4.125%
HK$9,013
baseline
▲ 0.50% · 4.625%
HK$9,561
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,026/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,435
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,688
−HK$257/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,890/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,904
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$344/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,176/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$12,131
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,456
−HK$330/mo
Today · 4.125%
HK$12,786
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,572/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).