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$6,051
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,240
−HK$191/mo
Today · 4.125%
HK$6,431
baseline
▲ 0.50% · 4.625%
HK$6,822
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,862/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$6,732
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,913
−HK$183/mo
Today · 4.125%
HK$7,096
baseline
▲ 0.50% · 4.625%
HK$7,470
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,192/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$7,262
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,488
−HK$229/mo
Today · 4.125%
HK$7,717
baseline
▲ 0.50% · 4.625%
HK$8,187
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,434/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$8,079
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,295
−HK$220/mo
Today · 4.125%
HK$8,515
baseline
▲ 0.50% · 4.625%
HK$8,964
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,030/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$8,472
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$268/mo
Today · 4.125%
HK$9,003
baseline
▲ 0.50% · 4.625%
HK$9,551
+HK$548/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$18,006/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$9,425
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$256/mo
Today · 4.125%
HK$9,934
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$524/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,868/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$10,892
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,231
−HK$345/mo
Today · 4.125%
HK$11,576
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,152/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,118
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,443
−HK$329/mo
Today · 4.125%
HK$12,772
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$674/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,544/mo (50% DSR)
Upfront cash ≈ HK$265K (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).