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$6,221
−HK$190/mo
Today · 4.125%
HK$6,411
baseline
▲ 0.50% · 4.625%
HK$6,802
+HK$391/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$6,712
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,892
−HK$182/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$7,240
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,465
−HK$229/mo
Today · 4.125%
HK$7,694
baseline
▲ 0.50% · 4.625%
HK$8,162
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,388/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$8,054
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,270
−HK$219/mo
Today · 4.125%
HK$8,489
baseline
▲ 0.50% · 4.625%
HK$8,937
+HK$448/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$530/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$267/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,952/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$508/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$256/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,808/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$10,860
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,197
−HK$344/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,243
+HK$702/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,082/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$12,081
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$329/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,468/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).