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$6,037
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$190/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,806
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,830/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$6,716
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,896
−HK$183/mo
Today · 4.125%
HK$7,079
baseline
▲ 0.50% · 4.625%
HK$7,452
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,158/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$7,244
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$228/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,167
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,396/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$8,059
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,275
−HK$219/mo
Today · 4.125%
HK$8,494
baseline
▲ 0.50% · 4.625%
HK$8,942
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,988/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$8,452
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$268/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,964/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,402
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$256/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$523/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,820/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,866
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$344/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$702/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,096/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$12,089
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,413
−HK$329/mo
Today · 4.125%
HK$12,742
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,484/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).