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$6,056
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,244
−HK$192/mo
Today · 4.125%
HK$6,436
baseline
▲ 0.50% · 4.625%
HK$6,827
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,872/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$6,737
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,918
−HK$183/mo
Today · 4.125%
HK$7,101
baseline
▲ 0.50% · 4.625%
HK$7,475
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,202/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$7,267
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,493
−HK$230/mo
Today · 4.125%
HK$7,723
baseline
▲ 0.50% · 4.625%
HK$8,193
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,446/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$8,085
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$220/mo
Today · 4.125%
HK$8,521
baseline
▲ 0.50% · 4.625%
HK$8,970
+HK$449/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,042/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$8,478
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$268/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,020/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$9,432
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$257/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,884/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$10,901
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,240
−HK$344/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,168/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$12,127
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,452
−HK$330/mo
Today · 4.125%
HK$12,782
baseline
▲ 0.50% · 4.625%
HK$13,456
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,564/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).