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$6,038
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,226
−HK$191/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,807
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,834/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$6,717
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$182/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$374/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,160/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$7,246
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$229/mo
Today · 4.125%
HK$7,700
baseline
▲ 0.50% · 4.625%
HK$8,169
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,400/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$8,061
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,277
−HK$219/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$8,944
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,992/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$8,453
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$268/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,530
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,968/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$9,404
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$256/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,826/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$10,869
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$343/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,100/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$12,091
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$329/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,490/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).