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$6,007
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,194
−HK$190/mo
Today · 4.125%
HK$6,384
baseline
▲ 0.50% · 4.625%
HK$6,772
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,768/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$6,683
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,862
−HK$182/mo
Today · 4.125%
HK$7,044
baseline
▲ 0.50% · 4.625%
HK$7,415
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,088/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$7,209
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,433
−HK$228/mo
Today · 4.125%
HK$7,661
baseline
▲ 0.50% · 4.625%
HK$8,127
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,322/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$8,020
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,235
−HK$218/mo
Today · 4.125%
HK$8,453
baseline
▲ 0.50% · 4.625%
HK$8,898
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,906/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$8,410
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$265/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,874/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,356
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,607
−HK$255/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$519/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,724/mo (50% DSR)
Upfront cash ≈ HK$790K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,813
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$342/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,190
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,982/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$12,029
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,352
−HK$327/mo
Today · 4.125%
HK$12,679
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$669/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,358/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).