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$6,039
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,227
−HK$191/mo
Today · 4.125%
HK$6,418
baseline
▲ 0.50% · 4.625%
HK$6,809
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,836/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$6,719
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,899
−HK$183/mo
Today · 4.125%
HK$7,082
baseline
▲ 0.50% · 4.625%
HK$7,455
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,164/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$7,247
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,473
−HK$229/mo
Today · 4.125%
HK$7,702
baseline
▲ 0.50% · 4.625%
HK$8,170
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,404/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$8,063
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,279
−HK$219/mo
Today · 4.125%
HK$8,498
baseline
▲ 0.50% · 4.625%
HK$8,946
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,996/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$8,455
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$267/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,532
+HK$547/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$17,970/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,406
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$256/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,437
+HK$522/mo
Deposit HK$795K · loan HK$1.85M · min. income ≈ HK$19,830/mo (50% DSR)
Upfront cash ≈ HK$795K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,871
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$344/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,106/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$12,094
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,418
−HK$329/mo
Today · 4.125%
HK$12,747
baseline
▲ 0.50% · 4.625%
HK$13,419
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,494/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).