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$6,026
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,214
−HK$190/mo
Today · 4.125%
HK$6,404
baseline
▲ 0.50% · 4.625%
HK$6,794
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,808/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$6,704
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,884
−HK$182/mo
Today · 4.125%
HK$7,066
baseline
▲ 0.50% · 4.625%
HK$7,439
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,132/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$7,231
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$229/mo
Today · 4.125%
HK$7,685
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$467/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,370/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$8,045
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,261
−HK$218/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,958/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$8,437
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$267/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$545/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,932/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$9,386
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,637
−HK$256/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,786/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$10,847
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$343/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,229
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,054/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$12,067
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$328/mo
Today · 4.125%
HK$12,719
baseline
▲ 0.50% · 4.625%
HK$13,390
+HK$671/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,438/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).