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$378/mo
▼ 0.25% · 3.875%
HK$6,226
−HK$191/mo
Today · 4.125%
HK$6,417
baseline
▲ 0.50% · 4.625%
HK$6,808
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,834/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$6,718
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,898
−HK$183/mo
Today · 4.125%
HK$7,081
baseline
▲ 0.50% · 4.625%
HK$7,454
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,162/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$7,246
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,472
−HK$229/mo
Today · 4.125%
HK$7,701
baseline
▲ 0.50% · 4.625%
HK$8,169
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,402/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$8,061
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$219/mo
Today · 4.125%
HK$8,497
baseline
▲ 0.50% · 4.625%
HK$8,945
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,994/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$8,454
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,717
−HK$267/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,531
+HK$547/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,968/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$9,405
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$256/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,436
+HK$523/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,826/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$10,869
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$344/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,102/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$12,092
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$329/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,490/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).