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$6,018
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,205
−HK$191/mo
Today · 4.125%
HK$6,396
baseline
▲ 0.50% · 4.625%
HK$6,785
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,792/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$6,695
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,875
−HK$182/mo
Today · 4.125%
HK$7,057
baseline
▲ 0.50% · 4.625%
HK$7,429
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,114/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$7,222
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,447
−HK$228/mo
Today · 4.125%
HK$7,675
baseline
▲ 0.50% · 4.625%
HK$8,142
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,350/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$8,034
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,250
−HK$218/mo
Today · 4.125%
HK$8,468
baseline
▲ 0.50% · 4.625%
HK$8,915
+HK$447/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,936/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$8,426
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$266/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,908/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$9,373
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$255/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,760/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$10,833
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$342/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,024/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$12,052
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$328/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$669/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,406/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).