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$6,060
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,248
−HK$192/mo
Today · 4.125%
HK$6,440
baseline
▲ 0.50% · 4.625%
HK$6,831
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,880/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$6,741
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,922
−HK$183/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,480
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,210/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$7,272
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,498
−HK$230/mo
Today · 4.125%
HK$7,728
baseline
▲ 0.50% · 4.625%
HK$8,198
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,456/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$8,090
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$221/mo
Today · 4.125%
HK$8,527
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,054/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$8,483
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$268/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$549/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,030/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$9,438
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$257/mo
Today · 4.125%
HK$9,948
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,896/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$10,907
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,247
−HK$344/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$706/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,182/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$12,134
−HK$656/mo
▼ 0.25% · 3.875%
HK$12,460
−HK$330/mo
Today · 4.125%
HK$12,790
baseline
▲ 0.50% · 4.625%
HK$13,464
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,580/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).