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$5,999
−HK$376/mo
▼ 0.25% · 3.875%
HK$6,185
−HK$190/mo
Today · 4.125%
HK$6,375
baseline
▲ 0.50% · 4.625%
HK$6,763
+HK$388/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$12,750/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$6,673
−HK$361/mo
▼ 0.25% · 3.875%
HK$6,852
−HK$182/mo
Today · 4.125%
HK$7,034
baseline
▲ 0.50% · 4.625%
HK$7,405
+HK$371/mo
Deposit HK$1.32M · loan HK$1.32M · min. income ≈ HK$14,068/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$7,198
−HK$452/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$228/mo
Today · 4.125%
HK$7,650
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$465/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$15,300/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$8,008
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,223
−HK$218/mo
Today · 4.125%
HK$8,441
baseline
▲ 0.50% · 4.625%
HK$8,886
+HK$445/mo
Deposit HK$1.05M · loan HK$1.58M · min. income ≈ HK$16,882/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$8,398
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,659
−HK$266/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$543/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$17,850/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,343
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$254/mo
Today · 4.125%
HK$9,847
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$520/mo
Deposit HK$789K · loan HK$1.84M · min. income ≈ HK$19,694/mo (50% DSR)
Upfront cash ≈ HK$789K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,797
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$342/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,173
+HK$698/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$22,950/mo (50% DSR)
Upfront cash ≈ HK$263K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,012
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$327/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$667/mo
Deposit HK$263K · loan HK$2.37M · min. income ≈ HK$25,322/mo (50% DSR)
Upfront cash ≈ HK$263K (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).