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$6,038
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$191/mo
Today · 4.125%
HK$6,416
baseline
▲ 0.50% · 4.625%
HK$6,807
+HK$391/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,832/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$6,717
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$183/mo
Today · 4.125%
HK$7,080
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$373/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,160/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$7,245
−HK$455/mo
▼ 0.25% · 3.875%
HK$7,471
−HK$229/mo
Today · 4.125%
HK$7,700
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,400/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$8,060
−HK$436/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$220/mo
Today · 4.125%
HK$8,496
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,992/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$8,453
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$267/mo
Today · 4.125%
HK$8,983
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$546/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,966/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$9,404
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$256/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$522/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,824/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$10,868
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,206
−HK$343/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$703/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,098/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$12,090
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,415
−HK$329/mo
Today · 4.125%
HK$12,744
baseline
▲ 0.50% · 4.625%
HK$13,415
+HK$671/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,488/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).