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$6,026
−HK$377/mo
▼ 0.25% · 3.875%
HK$6,213
−HK$190/mo
Today · 4.125%
HK$6,403
baseline
▲ 0.50% · 4.625%
HK$6,793
+HK$390/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,806/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$6,703
−HK$363/mo
▼ 0.25% · 3.875%
HK$6,883
−HK$183/mo
Today · 4.125%
HK$7,066
baseline
▲ 0.50% · 4.625%
HK$7,438
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,132/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$7,231
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,456
−HK$228/mo
Today · 4.125%
HK$7,684
baseline
▲ 0.50% · 4.625%
HK$8,152
+HK$468/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,368/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,044
−HK$435/mo
▼ 0.25% · 3.875%
HK$8,260
−HK$219/mo
Today · 4.125%
HK$8,479
baseline
▲ 0.50% · 4.625%
HK$8,926
+HK$447/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$16,958/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,436
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$267/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$545/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$17,930/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,385
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$256/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$521/mo
Deposit HK$793K · loan HK$1.85M · min. income ≈ HK$19,784/mo (50% DSR)
Upfront cash ≈ HK$793K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,846
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,183
−HK$343/mo
Today · 4.125%
HK$11,526
baseline
▲ 0.50% · 4.625%
HK$12,228
+HK$702/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,052/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$12,066
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,390
−HK$328/mo
Today · 4.125%
HK$12,718
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,436/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).