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$6,045
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,233
−HK$192/mo
Today · 4.125%
HK$6,425
baseline
▲ 0.50% · 4.625%
HK$6,815
+HK$390/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,850/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$6,725
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$183/mo
Today · 4.125%
HK$7,089
baseline
▲ 0.50% · 4.625%
HK$7,462
+HK$373/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,178/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$7,254
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,480
−HK$229/mo
Today · 4.125%
HK$7,709
baseline
▲ 0.50% · 4.625%
HK$8,179
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,418/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$8,071
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$220/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$8,955
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,014/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$8,464
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,727
−HK$267/mo
Today · 4.125%
HK$8,994
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$548/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$17,988/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,416
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$256/mo
Today · 4.125%
HK$9,924
baseline
▲ 0.50% · 4.625%
HK$10,447
+HK$523/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$19,848/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,882
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$344/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,128/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$12,106
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$330/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$672/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,520/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).