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$6,008
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,195
−HK$190/mo
Today · 4.125%
HK$6,385
baseline
▲ 0.50% · 4.625%
HK$6,773
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,770/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$6,684
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,863
−HK$182/mo
Today · 4.125%
HK$7,045
baseline
▲ 0.50% · 4.625%
HK$7,416
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,090/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$453/mo
▼ 0.25% · 3.875%
HK$7,434
−HK$228/mo
Today · 4.125%
HK$7,662
baseline
▲ 0.50% · 4.625%
HK$8,128
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,324/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$434/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$218/mo
Today · 4.125%
HK$8,454
baseline
▲ 0.50% · 4.625%
HK$8,899
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,908/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$8,411
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$265/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,482
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,876/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$9,357
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$255/mo
Today · 4.125%
HK$9,863
baseline
▲ 0.50% · 4.625%
HK$10,383
+HK$520/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$19,726/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$10,814
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$341/mo
Today · 4.125%
HK$11,492
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$700/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,984/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$12,031
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$328/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,362/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).