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$6,001
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,188
−HK$190/mo
Today · 4.125%
HK$6,378
baseline
▲ 0.50% · 4.625%
HK$6,766
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,756/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$6,677
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,856
−HK$181/mo
Today · 4.125%
HK$7,037
baseline
▲ 0.50% · 4.625%
HK$7,408
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,074/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$7,202
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,426
−HK$227/mo
Today · 4.125%
HK$7,653
baseline
▲ 0.50% · 4.625%
HK$8,119
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,306/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$8,012
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,227
−HK$218/mo
Today · 4.125%
HK$8,445
baseline
▲ 0.50% · 4.625%
HK$8,890
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,890/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$8,402
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,663
−HK$266/mo
Today · 4.125%
HK$8,929
baseline
▲ 0.50% · 4.625%
HK$9,472
+HK$543/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,858/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,347
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$254/mo
Today · 4.125%
HK$9,852
baseline
▲ 0.50% · 4.625%
HK$10,371
+HK$519/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,704/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,803
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$341/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,179
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,960/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,018
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,340
−HK$327/mo
Today · 4.125%
HK$12,667
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,334/mo (50% DSR)
Upfront cash ≈ HK$263K (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).