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$6,021
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,208
−HK$190/mo
Today · 4.125%
HK$6,398
baseline
▲ 0.50% · 4.625%
HK$6,787
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,796/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$6,698
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$183/mo
Today · 4.125%
HK$7,060
baseline
▲ 0.50% · 4.625%
HK$7,432
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,120/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$7,225
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$229/mo
Today · 4.125%
HK$7,678
baseline
▲ 0.50% · 4.625%
HK$8,145
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,356/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$8,037
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,253
−HK$219/mo
Today · 4.125%
HK$8,472
baseline
▲ 0.50% · 4.625%
HK$8,918
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,944/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$8,429
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,691
−HK$266/mo
Today · 4.125%
HK$8,957
baseline
▲ 0.50% · 4.625%
HK$9,502
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,914/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$9,377
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$256/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,405
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,768/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$10,837
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$343/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,217
+HK$700/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,034/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$12,056
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$328/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,414/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).