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$6,057
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,245
−HK$192/mo
Today · 4.125%
HK$6,437
baseline
▲ 0.50% · 4.625%
HK$6,829
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,874/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$6,738
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,919
−HK$183/mo
Today · 4.125%
HK$7,102
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,204/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$7,268
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$229/mo
Today · 4.125%
HK$7,724
baseline
▲ 0.50% · 4.625%
HK$8,194
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,448/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$8,086
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$220/mo
Today · 4.125%
HK$8,523
baseline
▲ 0.50% · 4.625%
HK$8,972
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,046/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$8,480
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$268/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,024/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$9,434
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$256/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$525/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,886/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$10,903
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$344/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,291
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,172/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$12,129
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,454
−HK$330/mo
Today · 4.125%
HK$12,784
baseline
▲ 0.50% · 4.625%
HK$13,458
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,568/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).