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$6,050
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,238
−HK$192/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$363/mo
▼ 0.25% · 3.875%
HK$6,911
−HK$183/mo
Today · 4.125%
HK$7,094
baseline
▲ 0.50% · 4.625%
HK$7,468
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,188/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$7,260
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,486
−HK$230/mo
Today · 4.125%
HK$7,716
baseline
▲ 0.50% · 4.625%
HK$8,185
+HK$469/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$8,077
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,294
−HK$219/mo
Today · 4.125%
HK$8,513
baseline
▲ 0.50% · 4.625%
HK$8,962
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,026/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$8,470
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,734
−HK$268/mo
Today · 4.125%
HK$9,002
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$547/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$9,423
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$256/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,456
+HK$524/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,864/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$10,890
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,229
−HK$344/mo
Today · 4.125%
HK$11,573
baseline
▲ 0.50% · 4.625%
HK$12,278
+HK$705/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,146/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$12,116
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,440
−HK$330/mo
Today · 4.125%
HK$12,770
baseline
▲ 0.50% · 4.625%
HK$13,443
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,540/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).