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$6,035
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,223
−HK$191/mo
Today · 4.125%
HK$6,414
baseline
▲ 0.50% · 4.625%
HK$6,804
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,828/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$6,714
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,894
−HK$183/mo
Today · 4.125%
HK$7,077
baseline
▲ 0.50% · 4.625%
HK$7,450
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,154/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$7,242
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,467
−HK$229/mo
Today · 4.125%
HK$7,696
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,392/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$8,057
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,273
−HK$219/mo
Today · 4.125%
HK$8,492
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,984/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$8,449
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$267/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,958/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$9,400
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$255/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$523/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,814/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$10,863
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$343/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,088/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$12,085
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,409
−HK$329/mo
Today · 4.125%
HK$12,738
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,476/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).