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$6,004
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,191
−HK$190/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,769
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,762/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$6,680
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$182/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,082/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$7,205
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,429
−HK$228/mo
Today · 4.125%
HK$7,657
baseline
▲ 0.50% · 4.625%
HK$8,123
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,314/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,016
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$218/mo
Today · 4.125%
HK$8,449
baseline
▲ 0.50% · 4.625%
HK$8,894
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,898/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,406
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,667
−HK$266/mo
Today · 4.125%
HK$8,933
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,866/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,352
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,602
−HK$255/mo
Today · 4.125%
HK$9,857
baseline
▲ 0.50% · 4.625%
HK$10,376
+HK$519/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,714/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,808
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$341/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,184
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,970/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,023
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,346
−HK$327/mo
Today · 4.125%
HK$12,673
baseline
▲ 0.50% · 4.625%
HK$13,341
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,346/mo (50% DSR)
Upfront cash ≈ HK$263K (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).