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$6,010
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,197
−HK$190/mo
Today · 4.125%
HK$6,387
baseline
▲ 0.50% · 4.625%
HK$6,776
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,774/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$6,686
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,866
−HK$182/mo
Today · 4.125%
HK$7,048
baseline
▲ 0.50% · 4.625%
HK$7,419
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,096/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$7,212
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,437
−HK$228/mo
Today · 4.125%
HK$7,665
baseline
▲ 0.50% · 4.625%
HK$8,131
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,330/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$8,024
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,239
−HK$218/mo
Today · 4.125%
HK$8,457
baseline
▲ 0.50% · 4.625%
HK$8,903
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,914/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$8,414
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$266/mo
Today · 4.125%
HK$8,942
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$544/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,884/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,361
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,612
−HK$255/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$520/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,734/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,818
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$342/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,196
+HK$699/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$22,994/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$12,035
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$328/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,354
+HK$668/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,372/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).