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$6,036
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,224
−HK$191/mo
Today · 4.125%
HK$6,415
baseline
▲ 0.50% · 4.625%
HK$6,805
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,830/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$6,715
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,895
−HK$183/mo
Today · 4.125%
HK$7,078
baseline
▲ 0.50% · 4.625%
HK$7,451
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,156/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$7,243
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,469
−HK$229/mo
Today · 4.125%
HK$7,698
baseline
▲ 0.50% · 4.625%
HK$8,166
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,396/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$8,058
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,274
−HK$219/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$8,941
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,986/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$8,451
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$267/mo
Today · 4.125%
HK$8,980
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$547/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,960/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$9,401
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,653
−HK$256/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,431
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,818/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$10,865
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$343/mo
Today · 4.125%
HK$11,546
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,092/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$12,087
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,411
−HK$329/mo
Today · 4.125%
HK$12,740
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,480/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).