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$6,042
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,230
−HK$191/mo
Today · 4.125%
HK$6,421
baseline
▲ 0.50% · 4.625%
HK$6,812
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,842/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$6,722
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,902
−HK$183/mo
Today · 4.125%
HK$7,085
baseline
▲ 0.50% · 4.625%
HK$7,458
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,170/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$7,250
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,476
−HK$229/mo
Today · 4.125%
HK$7,705
baseline
▲ 0.50% · 4.625%
HK$8,174
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,410/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$8,066
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,282
−HK$220/mo
Today · 4.125%
HK$8,502
baseline
▲ 0.50% · 4.625%
HK$8,950
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,004/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$8,459
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$267/mo
Today · 4.125%
HK$8,989
baseline
▲ 0.50% · 4.625%
HK$9,536
+HK$547/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$17,978/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,410
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$256/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$523/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$19,838/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,876
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$344/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,116/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$12,099
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$330/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,506/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).