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$6,052
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,240
−HK$192/mo
Today · 4.125%
HK$6,432
baseline
▲ 0.50% · 4.625%
HK$6,823
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,864/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$6,733
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,914
−HK$183/mo
Today · 4.125%
HK$7,097
baseline
▲ 0.50% · 4.625%
HK$7,471
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,194/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$7,263
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,489
−HK$229/mo
Today · 4.125%
HK$7,718
baseline
▲ 0.50% · 4.625%
HK$8,188
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,436/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$8,080
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,296
−HK$220/mo
Today · 4.125%
HK$8,516
baseline
▲ 0.50% · 4.625%
HK$8,965
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,032/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$8,473
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$267/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$548/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$18,008/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,426
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,679
−HK$256/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,459
+HK$524/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,870/mo (50% DSR)
Upfront cash ≈ HK$796K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,894
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,233
−HK$344/mo
Today · 4.125%
HK$11,577
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$705/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,154/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$12,119
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,444
−HK$330/mo
Today · 4.125%
HK$12,774
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$674/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,548/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).