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$6,061
−HK$381/mo
▼ 0.25% · 3.875%
HK$6,250
−HK$192/mo
Today · 4.125%
HK$6,442
baseline
▲ 0.50% · 4.625%
HK$6,834
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,884/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$6,743
−HK$365/mo
▼ 0.25% · 3.875%
HK$6,924
−HK$184/mo
Today · 4.125%
HK$7,108
baseline
▲ 0.50% · 4.625%
HK$7,482
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,216/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$7,274
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,500
−HK$230/mo
Today · 4.125%
HK$7,730
baseline
▲ 0.50% · 4.625%
HK$8,200
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,460/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$8,092
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$220/mo
Today · 4.125%
HK$8,529
baseline
▲ 0.50% · 4.625%
HK$8,979
+HK$450/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,058/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$8,486
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$268/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$549/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,036/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,441
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,694
−HK$257/mo
Today · 4.125%
HK$9,951
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,902/mo (50% DSR)
Upfront cash ≈ HK$798K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,911
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,250
−HK$345/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,190/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$12,138
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,463
−HK$331/mo
Today · 4.125%
HK$12,794
baseline
▲ 0.50% · 4.625%
HK$13,468
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,588/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).