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$6,029
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,216
−HK$191/mo
Today · 4.125%
HK$6,407
baseline
▲ 0.50% · 4.625%
HK$6,797
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,814/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$6,707
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,887
−HK$182/mo
Today · 4.125%
HK$7,069
baseline
▲ 0.50% · 4.625%
HK$7,442
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,138/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$7,235
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$228/mo
Today · 4.125%
HK$7,688
baseline
▲ 0.50% · 4.625%
HK$8,156
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,376/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$8,049
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,264
−HK$219/mo
Today · 4.125%
HK$8,483
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,966/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$8,440
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$267/mo
Today · 4.125%
HK$8,970
baseline
▲ 0.50% · 4.625%
HK$9,516
+HK$546/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,940/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,390
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$255/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$522/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,794/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,852
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,190
−HK$343/mo
Today · 4.125%
HK$11,533
baseline
▲ 0.50% · 4.625%
HK$12,234
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,066/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$12,073
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$328/mo
Today · 4.125%
HK$12,725
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$671/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,450/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).