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$6,032
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,220
−HK$190/mo
Today · 4.125%
HK$6,410
baseline
▲ 0.50% · 4.625%
HK$6,800
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,820/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$6,711
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,890
−HK$183/mo
Today · 4.125%
HK$7,073
baseline
▲ 0.50% · 4.625%
HK$7,446
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,146/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$7,238
−HK$454/mo
▼ 0.25% · 3.875%
HK$7,464
−HK$228/mo
Today · 4.125%
HK$7,692
baseline
▲ 0.50% · 4.625%
HK$8,160
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,384/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$8,053
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,269
−HK$219/mo
Today · 4.125%
HK$8,488
baseline
▲ 0.50% · 4.625%
HK$8,935
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,976/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$8,445
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,707
−HK$267/mo
Today · 4.125%
HK$8,974
baseline
▲ 0.50% · 4.625%
HK$9,520
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,948/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$9,395
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$255/mo
Today · 4.125%
HK$9,902
baseline
▲ 0.50% · 4.625%
HK$10,424
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,804/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$10,858
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$343/mo
Today · 4.125%
HK$11,538
baseline
▲ 0.50% · 4.625%
HK$12,241
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,076/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$12,079
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$329/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,403
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,464/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).