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$6,016
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,203
−HK$190/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$6,693
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,872
−HK$182/mo
Today · 4.125%
HK$7,054
baseline
▲ 0.50% · 4.625%
HK$7,426
+HK$372/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$7,219
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,444
−HK$228/mo
Today · 4.125%
HK$7,672
baseline
▲ 0.50% · 4.625%
HK$8,139
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,344/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$8,031
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,247
−HK$218/mo
Today · 4.125%
HK$8,465
baseline
▲ 0.50% · 4.625%
HK$8,911
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,930/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$8,422
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,684
−HK$267/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$544/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,902/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$9,370
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$255/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$521/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,752/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$10,829
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,166
−HK$342/mo
Today · 4.125%
HK$11,508
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,016/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$12,047
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$328/mo
Today · 4.125%
HK$12,698
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,396/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).