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$6,050
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,238
−HK$191/mo
Today · 4.125%
HK$6,429
baseline
▲ 0.50% · 4.625%
HK$6,820
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,858/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$6,730
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,911
−HK$183/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,468
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,188/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$7,260
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,485
−HK$230/mo
Today · 4.125%
HK$7,715
baseline
▲ 0.50% · 4.625%
HK$8,184
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,430/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$8,076
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,293
−HK$219/mo
Today · 4.125%
HK$8,512
baseline
▲ 0.50% · 4.625%
HK$8,961
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,024/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$8,469
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,733
−HK$268/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,548
+HK$547/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$18,002/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$9,422
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,675
−HK$256/mo
Today · 4.125%
HK$9,931
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$524/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,862/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$10,889
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,228
−HK$344/mo
Today · 4.125%
HK$11,572
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,144/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$12,114
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,439
−HK$330/mo
Today · 4.125%
HK$12,769
baseline
▲ 0.50% · 4.625%
HK$13,442
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,538/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).