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$6,054
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,243
−HK$191/mo
Today · 4.125%
HK$6,434
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,868/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$6,735
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,916
−HK$183/mo
Today · 4.125%
HK$7,099
baseline
▲ 0.50% · 4.625%
HK$7,473
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,198/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$7,265
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,491
−HK$230/mo
Today · 4.125%
HK$7,721
baseline
▲ 0.50% · 4.625%
HK$8,191
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,442/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$8,082
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,299
−HK$220/mo
Today · 4.125%
HK$8,519
baseline
▲ 0.50% · 4.625%
HK$8,968
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,038/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$8,476
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$268/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,016/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$9,429
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$257/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,878/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$10,898
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,237
−HK$344/mo
Today · 4.125%
HK$11,581
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,162/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$12,124
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,449
−HK$330/mo
Today · 4.125%
HK$12,779
baseline
▲ 0.50% · 4.625%
HK$13,452
+HK$673/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,558/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).