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$6,048
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$191/mo
Today · 4.125%
HK$6,427
baseline
▲ 0.50% · 4.625%
HK$6,819
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,854/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$6,729
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,909
−HK$183/mo
Today · 4.125%
HK$7,092
baseline
▲ 0.50% · 4.625%
HK$7,466
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,184/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$7,258
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,484
−HK$229/mo
Today · 4.125%
HK$7,713
baseline
▲ 0.50% · 4.625%
HK$8,182
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,426/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$8,074
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,291
−HK$219/mo
Today · 4.125%
HK$8,510
baseline
▲ 0.50% · 4.625%
HK$8,959
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,020/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$8,467
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,731
−HK$267/mo
Today · 4.125%
HK$8,998
baseline
▲ 0.50% · 4.625%
HK$9,546
+HK$548/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$17,996/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$9,420
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,673
−HK$256/mo
Today · 4.125%
HK$9,929
baseline
▲ 0.50% · 4.625%
HK$10,452
+HK$523/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,858/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$10,887
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$344/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,138/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$12,111
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$330/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,532/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).