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$6,041
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,229
−HK$191/mo
Today · 4.125%
HK$6,420
baseline
▲ 0.50% · 4.625%
HK$6,811
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,840/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,721
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,901
−HK$183/mo
Today · 4.125%
HK$7,084
baseline
▲ 0.50% · 4.625%
HK$7,457
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,168/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,249
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,475
−HK$229/mo
Today · 4.125%
HK$7,704
baseline
▲ 0.50% · 4.625%
HK$8,173
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,408/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$8,065
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,281
−HK$220/mo
Today · 4.125%
HK$8,501
baseline
▲ 0.50% · 4.625%
HK$8,949
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,002/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$8,458
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$267/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$547/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$17,976/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,409
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$256/mo
Today · 4.125%
HK$9,917
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$523/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$19,834/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,874
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$344/mo
Today · 4.125%
HK$11,556
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,112/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$12,097
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$329/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,502/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).