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$6,015
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,202
−HK$191/mo
Today · 4.125%
HK$6,393
baseline
▲ 0.50% · 4.625%
HK$6,782
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,786/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$6,692
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,871
−HK$183/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,425
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,108/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$7,218
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,443
−HK$228/mo
Today · 4.125%
HK$7,671
baseline
▲ 0.50% · 4.625%
HK$8,138
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,342/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$8,030
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,246
−HK$218/mo
Today · 4.125%
HK$8,464
baseline
▲ 0.50% · 4.625%
HK$8,910
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,928/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$8,421
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$267/mo
Today · 4.125%
HK$8,950
baseline
▲ 0.50% · 4.625%
HK$9,494
+HK$544/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,900/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,369
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,620
−HK$255/mo
Today · 4.125%
HK$9,875
baseline
▲ 0.50% · 4.625%
HK$10,395
+HK$520/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,750/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,828
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$343/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,207
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,014/mo (50% DSR)
Upfront cash ≈ HK$264K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,046
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,369
−HK$327/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$670/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,392/mo (50% DSR)
Upfront cash ≈ HK$264K (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).