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$6,020
−HK$378/mo
▼ 0.25% · 3.875%
HK$6,207
−HK$191/mo
Today · 4.125%
HK$6,398
baseline
▲ 0.50% · 4.625%
HK$6,787
+HK$389/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,796/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$6,697
−HK$362/mo
▼ 0.25% · 3.875%
HK$6,877
−HK$182/mo
Today · 4.125%
HK$7,059
baseline
▲ 0.50% · 4.625%
HK$7,431
+HK$372/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,118/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$7,224
−HK$453/mo
▼ 0.25% · 3.875%
HK$7,449
−HK$228/mo
Today · 4.125%
HK$7,677
baseline
▲ 0.50% · 4.625%
HK$8,144
+HK$467/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$15,354/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$8,037
−HK$434/mo
▼ 0.25% · 3.875%
HK$8,252
−HK$219/mo
Today · 4.125%
HK$8,471
baseline
▲ 0.50% · 4.625%
HK$8,917
+HK$446/mo
Deposit HK$1.06M · loan HK$1.58M · min. income ≈ HK$16,942/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$8,428
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$267/mo
Today · 4.125%
HK$8,957
baseline
▲ 0.50% · 4.625%
HK$9,502
+HK$545/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$17,914/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,376
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$255/mo
Today · 4.125%
HK$9,883
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$521/mo
Deposit HK$792K · loan HK$1.85M · min. income ≈ HK$19,766/mo (50% DSR)
Upfront cash ≈ HK$792K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,836
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,173
−HK$343/mo
Today · 4.125%
HK$11,516
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$700/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$23,032/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$12,055
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,378
−HK$328/mo
Today · 4.125%
HK$12,706
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$670/mo
Deposit HK$264K · loan HK$2.38M · min. income ≈ HK$25,412/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).