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$6,030
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,217
−HK$191/mo
Today · 4.125%
HK$6,408
baseline
▲ 0.50% · 4.625%
HK$6,798
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,816/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$6,708
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,888
−HK$183/mo
Today · 4.125%
HK$7,071
baseline
▲ 0.50% · 4.625%
HK$7,443
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,142/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$7,236
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,461
−HK$229/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,158
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,380/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$8,050
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,266
−HK$219/mo
Today · 4.125%
HK$8,485
baseline
▲ 0.50% · 4.625%
HK$8,932
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,970/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$8,442
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,704
−HK$267/mo
Today · 4.125%
HK$8,971
baseline
▲ 0.50% · 4.625%
HK$9,517
+HK$546/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,942/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,391
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,643
−HK$256/mo
Today · 4.125%
HK$9,899
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$522/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,798/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,854
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,068/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$12,075
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$328/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$671/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,454/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).