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$6,040
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,228
−HK$190/mo
Today · 4.125%
HK$6,418
baseline
▲ 0.50% · 4.625%
HK$6,809
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,836/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$6,719
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$183/mo
Today · 4.125%
HK$7,082
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,164/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$7,248
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$229/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,171
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,404/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$8,063
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$220/mo
Today · 4.125%
HK$8,499
baseline
▲ 0.50% · 4.625%
HK$8,947
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,998/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$8,456
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$267/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$547/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$17,972/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,407
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$256/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,438
+HK$523/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$19,830/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,871
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$343/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,106/mo (50% DSR)
Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,094
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$329/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$265K (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).