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$379/mo
▼ 0.25% · 3.875%
HK$6,239
−HK$191/mo
Today · 4.125%
HK$6,430
baseline
▲ 0.50% · 4.625%
HK$6,821
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,860/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$6,731
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,912
−HK$183/mo
Today · 4.125%
HK$7,095
baseline
▲ 0.50% · 4.625%
HK$7,469
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,190/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$7,261
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,487
−HK$229/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,186
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,432/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$8,078
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$220/mo
Today · 4.125%
HK$8,514
baseline
▲ 0.50% · 4.625%
HK$8,963
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,028/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$8,471
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,735
−HK$267/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,550
+HK$548/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$18,004/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$9,424
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,677
−HK$256/mo
Today · 4.125%
HK$9,933
baseline
▲ 0.50% · 4.625%
HK$10,457
+HK$524/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,866/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$10,891
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,230
−HK$344/mo
Today · 4.125%
HK$11,574
baseline
▲ 0.50% · 4.625%
HK$12,279
+HK$705/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,148/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$12,117
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,442
−HK$329/mo
Today · 4.125%
HK$12,771
baseline
▲ 0.50% · 4.625%
HK$13,444
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,542/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).