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$6,055
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,243
−HK$192/mo
Today · 4.125%
HK$6,435
baseline
▲ 0.50% · 4.625%
HK$6,826
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,870/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$6,736
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,917
−HK$183/mo
Today · 4.125%
HK$7,100
baseline
▲ 0.50% · 4.625%
HK$7,474
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,200/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$7,266
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,492
−HK$230/mo
Today · 4.125%
HK$7,722
baseline
▲ 0.50% · 4.625%
HK$8,192
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,444/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$8,083
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$220/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$8,969
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,040/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$8,477
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$268/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,018/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$9,431
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$256/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,880/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$10,899
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,238
−HK$345/mo
Today · 4.125%
HK$11,583
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$704/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,166/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$12,125
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,450
−HK$330/mo
Today · 4.125%
HK$12,780
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,560/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).