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$6,217
−HK$190/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$363/mo
▼ 0.25% · 3.875%
HK$6,887
−HK$183/mo
Today · 4.125%
HK$7,070
baseline
▲ 0.50% · 4.625%
HK$7,442
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,140/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$454/mo
▼ 0.25% · 3.875%
HK$7,460
−HK$229/mo
Today · 4.125%
HK$7,689
baseline
▲ 0.50% · 4.625%
HK$8,157
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,378/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$435/mo
▼ 0.25% · 3.875%
HK$8,265
−HK$219/mo
Today · 4.125%
HK$8,484
baseline
▲ 0.50% · 4.625%
HK$8,931
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,968/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$8,441
−HK$529/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$508/mo
▼ 0.25% · 3.875%
HK$9,642
−HK$256/mo
Today · 4.125%
HK$9,898
baseline
▲ 0.50% · 4.625%
HK$10,419
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,796/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$10,853
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,190
−HK$343/mo
Today · 4.125%
HK$11,533
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,066/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$12,073
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$329/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,452/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).