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$6,037
−HK$379/mo
▼ 0.25% · 3.875%
HK$6,225
−HK$191/mo
Today · 4.125%
HK$6,416
baseline
▲ 0.50% · 4.625%
HK$6,806
+HK$390/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$362/mo
▼ 0.25% · 3.875%
HK$6,897
−HK$182/mo
Today · 4.125%
HK$7,079
baseline
▲ 0.50% · 4.625%
HK$7,453
+HK$374/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,158/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$454/mo
▼ 0.25% · 3.875%
HK$7,470
−HK$229/mo
Today · 4.125%
HK$7,699
baseline
▲ 0.50% · 4.625%
HK$8,168
+HK$469/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,398/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$435/mo
▼ 0.25% · 3.875%
HK$8,276
−HK$219/mo
Today · 4.125%
HK$8,495
baseline
▲ 0.50% · 4.625%
HK$8,943
+HK$448/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,990/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$8,452
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,715
−HK$267/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$547/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$17,964/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$9,403
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$256/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,434
+HK$523/mo
Deposit HK$794K · loan HK$1.85M · min. income ≈ HK$19,822/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$10,867
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,205
−HK$344/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$702/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$653/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$329/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,415
+HK$672/mo
Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$25,486/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).