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$6,013
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,200
−HK$190/mo
Today · 4.125%
HK$6,390
baseline
▲ 0.50% · 4.625%
HK$6,779
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,780/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$6,690
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,869
−HK$182/mo
Today · 4.125%
HK$7,051
baseline
▲ 0.50% · 4.625%
HK$7,423
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,102/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$7,216
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,440
−HK$228/mo
Today · 4.125%
HK$7,668
baseline
▲ 0.50% · 4.625%
HK$8,135
+HK$467/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,336/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,027
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,243
−HK$218/mo
Today · 4.125%
HK$8,461
baseline
▲ 0.50% · 4.625%
HK$8,907
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,922/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,418
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$266/mo
Today · 4.125%
HK$8,946
baseline
▲ 0.50% · 4.625%
HK$9,491
+HK$545/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,892/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,365
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$254/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$521/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,742/mo (50% DSR)
Upfront cash ≈ HK$791K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,824
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,160
−HK$342/mo
Today · 4.125%
HK$11,502
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,004/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$12,041
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,364
−HK$328/mo
Today · 4.125%
HK$12,692
baseline
▲ 0.50% · 4.625%
HK$13,361
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,384/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).