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$6,003
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,190
−HK$190/mo
Today · 4.125%
HK$6,380
baseline
▲ 0.50% · 4.625%
HK$6,768
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,760/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$6,679
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,858
−HK$182/mo
Today · 4.125%
HK$7,040
baseline
▲ 0.50% · 4.625%
HK$7,411
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,080/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$7,204
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,428
−HK$228/mo
Today · 4.125%
HK$7,656
baseline
▲ 0.50% · 4.625%
HK$8,122
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,312/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$8,014
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,229
−HK$218/mo
Today · 4.125%
HK$8,447
baseline
▲ 0.50% · 4.625%
HK$8,893
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,894/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$8,405
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$266/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$543/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,864/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$9,350
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$254/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$520/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,710/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$10,806
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$342/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,968/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$12,022
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$327/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,342/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).