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$6,036
−HK$378/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$6,895
−HK$182/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$7,243
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,468
−HK$229/mo
Today · 4.125%
HK$7,697
baseline
▲ 0.50% · 4.625%
HK$8,165
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,394/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$436/mo
▼ 0.25% · 3.875%
HK$8,273
−HK$220/mo
Today · 4.125%
HK$8,493
baseline
▲ 0.50% · 4.625%
HK$8,940
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,986/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$8,450
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$267/mo
Today · 4.125%
HK$8,980
baseline
▲ 0.50% · 4.625%
HK$9,526
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,960/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$508/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$256/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,816/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$10,864
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$343/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,090/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$12,086
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$329/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,478/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).