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$6,012
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,199
−HK$190/mo
Today · 4.125%
HK$6,389
baseline
▲ 0.50% · 4.625%
HK$6,778
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,778/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$6,688
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,868
−HK$182/mo
Today · 4.125%
HK$7,050
baseline
▲ 0.50% · 4.625%
HK$7,421
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,100/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$7,214
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,439
−HK$228/mo
Today · 4.125%
HK$7,667
baseline
▲ 0.50% · 4.625%
HK$8,133
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,334/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$8,026
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,241
−HK$219/mo
Today · 4.125%
HK$8,460
baseline
▲ 0.50% · 4.625%
HK$8,906
+HK$446/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,920/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$8,417
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$266/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,489
+HK$544/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$17,890/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$9,364
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$255/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$520/mo
Deposit HK$791K · loan HK$1.85M · min. income ≈ HK$19,740/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$10,822
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,158
−HK$342/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$700/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$23,000/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$12,039
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$327/mo
Today · 4.125%
HK$12,689
baseline
▲ 0.50% · 4.625%
HK$13,358
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,378/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).