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$6,009
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,196
−HK$190/mo
Today · 4.125%
HK$6,386
baseline
▲ 0.50% · 4.625%
HK$6,775
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,772/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$6,685
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,864
−HK$182/mo
Today · 4.125%
HK$7,046
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,092/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$7,211
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,435
−HK$228/mo
Today · 4.125%
HK$7,663
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$467/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,326/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$8,022
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,237
−HK$219/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,901
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,912/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$8,413
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$265/mo
Today · 4.125%
HK$8,940
baseline
▲ 0.50% · 4.625%
HK$9,484
+HK$544/mo
Deposit HK$791K · loan HK$1.84M · min. income ≈ HK$17,880/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$9,359
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$255/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,385
+HK$520/mo
Deposit HK$791K · loan HK$1.84M · min. income ≈ HK$19,730/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$10,817
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$342/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$699/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$22,990/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$12,033
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$327/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,366/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).