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$6,010
−HK$376/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$6,686
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,865
−HK$182/mo
Today · 4.125%
HK$7,047
baseline
▲ 0.50% · 4.625%
HK$7,418
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,094/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$453/mo
▼ 0.25% · 3.875%
HK$7,436
−HK$228/mo
Today · 4.125%
HK$7,664
baseline
▲ 0.50% · 4.625%
HK$8,130
+HK$466/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,328/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$8,023
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,238
−HK$218/mo
Today · 4.125%
HK$8,456
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$446/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$528/mo
▼ 0.25% · 3.875%
HK$8,675
−HK$266/mo
Today · 4.125%
HK$8,941
baseline
▲ 0.50% · 4.625%
HK$9,485
+HK$544/mo
Deposit HK$791K · loan HK$1.84M · min. income ≈ HK$17,882/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$9,360
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,611
−HK$254/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$11,154
−HK$341/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$700/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$12,034
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$327/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$669/mo
Deposit HK$264K · loan HK$2.37M · min. income ≈ HK$25,368/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).