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$6,057
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,246
−HK$191/mo
Today · 4.125%
HK$6,437
baseline
▲ 0.50% · 4.625%
HK$6,829
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,874/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$6,739
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,919
−HK$184/mo
Today · 4.125%
HK$7,103
baseline
▲ 0.50% · 4.625%
HK$7,477
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,206/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$7,269
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,495
−HK$230/mo
Today · 4.125%
HK$7,725
baseline
▲ 0.50% · 4.625%
HK$8,195
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,450/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$8,086
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$220/mo
Today · 4.125%
HK$8,523
baseline
▲ 0.50% · 4.625%
HK$8,973
+HK$450/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,046/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$8,480
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$268/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$548/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,024/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$9,434
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$257/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$524/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,888/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$10,903
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,242
−HK$345/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,174/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$12,130
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,455
−HK$330/mo
Today · 4.125%
HK$12,785
baseline
▲ 0.50% · 4.625%
HK$13,459
+HK$674/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,570/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).