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$6,242
−HK$191/mo
Today · 4.125%
HK$6,433
baseline
▲ 0.50% · 4.625%
HK$6,825
+HK$392/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$456/mo
▼ 0.25% · 3.875%
HK$7,490
−HK$230/mo
Today · 4.125%
HK$7,720
baseline
▲ 0.50% · 4.625%
HK$8,189
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,440/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$437/mo
▼ 0.25% · 3.875%
HK$8,298
−HK$220/mo
Today · 4.125%
HK$8,518
baseline
▲ 0.50% · 4.625%
HK$8,967
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,036/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$8,475
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$267/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$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,428
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$257/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$523/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,876/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,896
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,235
−HK$345/mo
Today · 4.125%
HK$11,580
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,160/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$12,122
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,447
−HK$330/mo
Today · 4.125%
HK$12,777
baseline
▲ 0.50% · 4.625%
HK$13,450
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,554/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).