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$6,043
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,231
−HK$191/mo
Today · 4.125%
HK$6,422
baseline
▲ 0.50% · 4.625%
HK$6,813
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,844/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$6,723
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,903
−HK$183/mo
Today · 4.125%
HK$7,086
baseline
▲ 0.50% · 4.625%
HK$7,459
+HK$373/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,172/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$7,252
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,477
−HK$229/mo
Today · 4.125%
HK$7,706
baseline
▲ 0.50% · 4.625%
HK$8,175
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,412/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$8,067
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,284
−HK$219/mo
Today · 4.125%
HK$8,503
baseline
▲ 0.50% · 4.625%
HK$8,951
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,006/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$8,460
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$268/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$547/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$17,982/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$9,412
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$256/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$523/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$19,840/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$10,877
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$343/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,118/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$12,101
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$330/mo
Today · 4.125%
HK$12,755
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$672/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,510/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).