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$6,028
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,215
−HK$191/mo
Today · 4.125%
HK$6,406
baseline
▲ 0.50% · 4.625%
HK$6,795
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,812/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$6,706
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,885
−HK$183/mo
Today · 4.125%
HK$7,068
baseline
▲ 0.50% · 4.625%
HK$7,441
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,136/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$7,233
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,458
−HK$229/mo
Today · 4.125%
HK$7,687
baseline
▲ 0.50% · 4.625%
HK$8,154
+HK$467/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,374/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$8,047
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,263
−HK$219/mo
Today · 4.125%
HK$8,482
baseline
▲ 0.50% · 4.625%
HK$8,929
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,964/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$8,439
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,701
−HK$267/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$546/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,936/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$9,388
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$255/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$522/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,790/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$10,850
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$343/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,060/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$12,070
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$328/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$671/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,444/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).