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$6,022
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,209
−HK$191/mo
Today · 4.125%
HK$6,400
baseline
▲ 0.50% · 4.625%
HK$6,789
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,800/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$6,699
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,879
−HK$182/mo
Today · 4.125%
HK$7,061
baseline
▲ 0.50% · 4.625%
HK$7,433
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,122/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$7,226
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,451
−HK$228/mo
Today · 4.125%
HK$7,679
baseline
▲ 0.50% · 4.625%
HK$8,147
+HK$468/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,358/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$8,039
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,255
−HK$219/mo
Today · 4.125%
HK$8,474
baseline
▲ 0.50% · 4.625%
HK$8,920
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,948/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$8,431
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$266/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,504
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,918/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,379
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$255/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,772/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,839
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$342/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,220
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,038/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,059
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,382
−HK$328/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,380
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,420/mo (50% DSR)
Upfront cash ≈ HK$264K (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).