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$6,046
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,234
−HK$191/mo
Today · 4.125%
HK$6,425
baseline
▲ 0.50% · 4.625%
HK$6,816
+HK$391/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$6,726
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,907
−HK$183/mo
Today · 4.125%
HK$7,090
baseline
▲ 0.50% · 4.625%
HK$7,463
+HK$373/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,180/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$7,255
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,481
−HK$229/mo
Today · 4.125%
HK$7,710
baseline
▲ 0.50% · 4.625%
HK$8,180
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,420/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$8,072
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,288
−HK$220/mo
Today · 4.125%
HK$8,508
baseline
▲ 0.50% · 4.625%
HK$8,956
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,016/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$8,465
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$267/mo
Today · 4.125%
HK$8,995
baseline
▲ 0.50% · 4.625%
HK$9,543
+HK$548/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$17,990/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$9,417
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$257/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$523/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$19,852/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$10,883
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,222
−HK$344/mo
Today · 4.125%
HK$11,566
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$703/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,132/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$12,107
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$329/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,522/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).