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$6,033
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$191/mo
Today · 4.125%
HK$6,411
baseline
▲ 0.50% · 4.625%
HK$6,801
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,822/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$6,711
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,891
−HK$183/mo
Today · 4.125%
HK$7,074
baseline
▲ 0.50% · 4.625%
HK$7,447
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,148/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$7,239
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,464
−HK$229/mo
Today · 4.125%
HK$7,693
baseline
▲ 0.50% · 4.625%
HK$8,161
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,386/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$8,053
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$220/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$8,936
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,978/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$8,446
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,708
−HK$267/mo
Today · 4.125%
HK$8,975
baseline
▲ 0.50% · 4.625%
HK$9,521
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,950/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,396
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$255/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,425
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,806/mo (50% DSR)
Upfront cash ≈ HK$794K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,859
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$344/mo
Today · 4.125%
HK$11,540
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$702/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,080/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$12,080
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$329/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,466/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).