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$6,027
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$191/mo
Today · 4.125%
HK$6,405
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,810/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$6,705
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,885
−HK$182/mo
Today · 4.125%
HK$7,067
baseline
▲ 0.50% · 4.625%
HK$7,440
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,134/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$7,232
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,457
−HK$229/mo
Today · 4.125%
HK$7,686
baseline
▲ 0.50% · 4.625%
HK$8,153
+HK$467/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,372/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$8,046
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$219/mo
Today · 4.125%
HK$8,480
baseline
▲ 0.50% · 4.625%
HK$8,927
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,960/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$8,438
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,700
−HK$267/mo
Today · 4.125%
HK$8,967
baseline
▲ 0.50% · 4.625%
HK$9,512
+HK$545/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,934/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$9,387
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$256/mo
Today · 4.125%
HK$9,894
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,788/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$10,848
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$343/mo
Today · 4.125%
HK$11,529
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,058/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$12,069
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$329/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,442/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).