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$6,053
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,241
−HK$192/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,824
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,866/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$6,734
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,915
−HK$183/mo
Today · 4.125%
HK$7,098
baseline
▲ 0.50% · 4.625%
HK$7,472
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,196/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$7,264
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$229/mo
Today · 4.125%
HK$7,719
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,438/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$8,081
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$219/mo
Today · 4.125%
HK$8,517
baseline
▲ 0.50% · 4.625%
HK$8,966
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,034/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$8,474
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$268/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$548/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$18,012/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$9,428
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$256/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$524/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,874/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$10,896
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$344/mo
Today · 4.125%
HK$11,579
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,158/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$12,121
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,446
−HK$330/mo
Today · 4.125%
HK$12,776
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$674/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,552/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).