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$6,030
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,218
−HK$191/mo
Today · 4.125%
HK$6,409
baseline
▲ 0.50% · 4.625%
HK$6,798
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,818/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$6,709
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,889
−HK$182/mo
Today · 4.125%
HK$7,071
baseline
▲ 0.50% · 4.625%
HK$7,444
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,142/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$7,236
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,462
−HK$228/mo
Today · 4.125%
HK$7,690
baseline
▲ 0.50% · 4.625%
HK$8,158
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,380/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$8,050
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,266
−HK$219/mo
Today · 4.125%
HK$8,485
baseline
▲ 0.50% · 4.625%
HK$8,933
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,970/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$8,443
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$267/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$546/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,944/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,392
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$256/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,421
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,800/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,855
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$343/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,070/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$12,076
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$328/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,399
+HK$671/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,456/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).