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$6,048
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,236
−HK$191/mo
Today · 4.125%
HK$6,427
baseline
▲ 0.50% · 4.625%
HK$6,818
+HK$391/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,854/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$6,728
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,908
−HK$183/mo
Today · 4.125%
HK$7,091
baseline
▲ 0.50% · 4.625%
HK$7,465
+HK$374/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,182/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$7,257
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,483
−HK$229/mo
Today · 4.125%
HK$7,712
baseline
▲ 0.50% · 4.625%
HK$8,181
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,424/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$8,073
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,290
−HK$220/mo
Today · 4.125%
HK$8,510
baseline
▲ 0.50% · 4.625%
HK$8,958
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,020/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$8,467
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,730
−HK$268/mo
Today · 4.125%
HK$8,998
baseline
▲ 0.50% · 4.625%
HK$9,545
+HK$547/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$17,996/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$9,419
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$256/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$523/mo
Deposit HK$796K · loan HK$1.86M · min. income ≈ HK$19,856/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$10,886
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,224
−HK$344/mo
Today · 4.125%
HK$11,568
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$704/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$23,136/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$12,110
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$329/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$673/mo
Deposit HK$265K · loan HK$2.39M · min. income ≈ HK$25,528/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).