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$6,058
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,247
−HK$191/mo
Today · 4.125%
HK$6,438
baseline
▲ 0.50% · 4.625%
HK$6,830
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,876/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$6,740
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,921
−HK$183/mo
Today · 4.125%
HK$7,104
baseline
▲ 0.50% · 4.625%
HK$7,478
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,208/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$7,270
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,496
−HK$230/mo
Today · 4.125%
HK$7,726
baseline
▲ 0.50% · 4.625%
HK$8,196
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,452/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$8,088
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$220/mo
Today · 4.125%
HK$8,525
baseline
▲ 0.50% · 4.625%
HK$8,974
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,050/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$8,482
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,746
−HK$268/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,562
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,028/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,436
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,689
−HK$257/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,470
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,892/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,905
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,244
−HK$345/mo
Today · 4.125%
HK$11,589
baseline
▲ 0.50% · 4.625%
HK$12,294
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,178/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,132
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,457
−HK$330/mo
Today · 4.125%
HK$12,787
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,574/mo (50% DSR)
Upfront cash ≈ HK$266K (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).