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$6,005
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,192
−HK$189/mo
Today · 4.125%
HK$6,381
baseline
▲ 0.50% · 4.625%
HK$6,770
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,762/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$6,680
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,859
−HK$182/mo
Today · 4.125%
HK$7,041
baseline
▲ 0.50% · 4.625%
HK$7,412
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,082/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$7,206
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,430
−HK$228/mo
Today · 4.125%
HK$7,658
baseline
▲ 0.50% · 4.625%
HK$8,124
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,316/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$8,016
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,231
−HK$218/mo
Today · 4.125%
HK$8,449
baseline
▲ 0.50% · 4.625%
HK$8,895
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,898/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$8,407
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$266/mo
Today · 4.125%
HK$8,934
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,868/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$9,352
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$255/mo
Today · 4.125%
HK$9,858
baseline
▲ 0.50% · 4.625%
HK$10,377
+HK$519/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,716/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$10,809
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$342/mo
Today · 4.125%
HK$11,487
baseline
▲ 0.50% · 4.625%
HK$12,185
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,974/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,025
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$327/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,348/mo (50% DSR)
Upfront cash ≈ HK$263K (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).