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$6,017
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,204
−HK$190/mo
Today · 4.125%
HK$6,394
baseline
▲ 0.50% · 4.625%
HK$6,783
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,788/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$6,693
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,873
−HK$182/mo
Today · 4.125%
HK$7,055
baseline
▲ 0.50% · 4.625%
HK$7,427
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,110/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$7,220
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,445
−HK$228/mo
Today · 4.125%
HK$7,673
baseline
▲ 0.50% · 4.625%
HK$8,140
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,346/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$8,032
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,248
−HK$218/mo
Today · 4.125%
HK$8,466
baseline
▲ 0.50% · 4.625%
HK$8,912
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,932/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$8,423
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,685
−HK$266/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,496
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,902/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,371
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,622
−HK$255/mo
Today · 4.125%
HK$9,877
baseline
▲ 0.50% · 4.625%
HK$10,398
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,754/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,830
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$342/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,209
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,018/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,048
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,371
−HK$328/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,368
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,398/mo (50% DSR)
Upfront cash ≈ HK$264K (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).