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$6,017
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,204
−HK$190/mo
Today · 4.125%
HK$6,394
baseline
▲ 0.50% · 4.625%
HK$6,784
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,788/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$6,694
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$183/mo
Today · 4.125%
HK$7,056
baseline
▲ 0.50% · 4.625%
HK$7,428
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,112/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$7,221
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$228/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,346/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$8,033
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$219/mo
Today · 4.125%
HK$8,467
baseline
▲ 0.50% · 4.625%
HK$8,913
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,934/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$8,424
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$266/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,904/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$9,372
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$255/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,399
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,756/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$10,831
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$342/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,020/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$12,049
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$328/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$670/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,400/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).