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$6,774
+HK$389/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$7,417
+HK$372/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$7,210
−HK$452/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$8,021
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,236
−HK$218/mo
Today · 4.125%
HK$8,454
baseline
▲ 0.50% · 4.625%
HK$8,900
+HK$446/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$8,412
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$266/mo
Today · 4.125%
HK$8,939
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$544/mo
Deposit HK$790K · loan HK$1.84M · min. income ≈ HK$17,878/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$9,358
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,609
−HK$254/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$10,815
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$342/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$699/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,986/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$12,032
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$328/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,350
+HK$668/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,364/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).