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$6,044
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,232
−HK$191/mo
Today · 4.125%
HK$6,423
baseline
▲ 0.50% · 4.625%
HK$6,814
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,846/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$6,724
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,904
−HK$183/mo
Today · 4.125%
HK$7,087
baseline
▲ 0.50% · 4.625%
HK$7,461
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,174/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$7,253
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,478
−HK$229/mo
Today · 4.125%
HK$7,707
baseline
▲ 0.50% · 4.625%
HK$8,176
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,414/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$8,068
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,285
−HK$219/mo
Today · 4.125%
HK$8,504
baseline
▲ 0.50% · 4.625%
HK$8,953
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,008/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$8,461
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$267/mo
Today · 4.125%
HK$8,992
baseline
▲ 0.50% · 4.625%
HK$9,539
+HK$547/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$17,984/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$9,413
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$256/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$523/mo
Deposit HK$795K · loan HK$1.86M · min. income ≈ HK$19,844/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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$344/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,122/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$12,103
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$330/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$672/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,514/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).