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$6,002
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,189
−HK$190/mo
Today · 4.125%
HK$6,379
baseline
▲ 0.50% · 4.625%
HK$6,767
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,758/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$6,678
−HK$360/mo
▼ 0.25% · 3.875%
HK$6,857
−HK$181/mo
Today · 4.125%
HK$7,038
baseline
▲ 0.50% · 4.625%
HK$7,409
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,076/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$7,203
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$227/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,308/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$8,013
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,228
−HK$218/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,892/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$8,403
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$265/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,860/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$9,349
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$255/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$519/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,708/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$10,804
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$342/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,964/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$12,020
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$327/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,338/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).