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$6,047
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,235
−HK$191/mo
Today · 4.125%
HK$6,426
baseline
▲ 0.50% · 4.625%
HK$6,817
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,852/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$6,727
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,908
−HK$183/mo
Today · 4.125%
HK$7,091
baseline
▲ 0.50% · 4.625%
HK$7,464
+HK$373/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,182/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$7,256
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,482
−HK$229/mo
Today · 4.125%
HK$7,711
baseline
▲ 0.50% · 4.625%
HK$8,181
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,422/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$8,073
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,289
−HK$220/mo
Today · 4.125%
HK$8,509
baseline
▲ 0.50% · 4.625%
HK$8,957
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,018/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$8,466
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,729
−HK$268/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,544
+HK$547/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$17,994/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$9,418
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$256/mo
Today · 4.125%
HK$9,927
baseline
▲ 0.50% · 4.625%
HK$10,450
+HK$523/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,854/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$10,885
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$344/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,134/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,109
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$329/mo
Today · 4.125%
HK$12,763
baseline
▲ 0.50% · 4.625%
HK$13,436
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,526/mo (50% DSR)
Upfront cash ≈ HK$265K (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).