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$6,025
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,212
−HK$191/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,792
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,806/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$6,703
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,882
−HK$183/mo
Today · 4.125%
HK$7,065
baseline
▲ 0.50% · 4.625%
HK$7,437
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,130/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$7,230
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,455
−HK$228/mo
Today · 4.125%
HK$7,683
baseline
▲ 0.50% · 4.625%
HK$8,151
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,366/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$8,043
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,259
−HK$219/mo
Today · 4.125%
HK$8,478
baseline
▲ 0.50% · 4.625%
HK$8,925
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,956/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$8,435
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$267/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,509
+HK$545/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,928/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,384
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$256/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,782/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,845
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,182
−HK$343/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,226
+HK$701/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,050/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$12,065
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$329/mo
Today · 4.125%
HK$12,717
baseline
▲ 0.50% · 4.625%
HK$13,387
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,434/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).